{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-002399","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.705244+00:00","generated_at":"2026-05-16T08:13:53.536387+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"NBT Bancorp reports Q4 2025 net income of $55.5M, EPS $1.06, declares dividend increase","bullets":["Q4 2025 net income $55.5M, diluted EPS $1.06, vs $36.0M and $0.76 in Q4 2024.","Board declares $0.37 per share quarterly dividend, an 8.8% increase, payable March 16, 2026.","Amy C. Wiles to step down as EVP, Chief Credit Officer and Chief Risk Officer effective May 21, 2026, transitioning to advisory role until retirement Jan 2027.","Full-year 2025 net income $169.2M, EPS $3.33, compared to $140.6M and $2.97 in 2024.","Evans Bancorp acquisition closed May 2, 2025, adding $1.67B in loans and $1.86B in deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-002399","json":"https://secwatch.observer/filing/0001140361-26-002399.json","markdown":"https://secwatch.observer/filing/0001140361-26-002399.md","text":"https://secwatch.observer/filing/0001140361-26-002399.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036126002399/0001140361-26-002399-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036126002399/ef20063876_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-16T08:13:53.536387+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}