secwatch.observer — SEC 8-K summary
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Issuer:     NBT BANCORP INC (NBTB)
CIK:        0000790359
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0001140361-25-039473
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

NBT Bancorp reports record Q3 net income of $54.5M; raises dividend 8.8%
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- Net income $54.5M ($1.03 diluted EPS) vs $38.1M ($0.80) in Q3 2024; operating diluted EPS $1.05.
- Net interest margin (FTE) improved to 3.66%, up 7 bps from prior quarter.
- Board declared quarterly dividend of $0.37 per share, an 8.8% increase over prior year.
- Amended stock repurchase program authorizes up to 2.0M shares through Dec 2027.
- Evans Bancorp acquisition added $1.67B loans and $1.86B deposits; full quarter impact included.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/790359/000114036125039473/0001140361-25-039473-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/790359/000114036125039473/ef20057742_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-25-039473

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