---
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"
generated_at: "2026-05-16T08:13:53.536387+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp reports Q4 2025 net income of $55.5M, EPS $1.06, declares dividend increase

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-002399
- JSON: https://secwatch.observer/filing/0001140361-26-002399.json
- Plain text: https://secwatch.observer/filing/0001140361-26-002399.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.