{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-016398","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.730953+00:00","generated_at":"2026-05-15T04:44:04.651513+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NBT Bancorp Q1 2026 net income $51.1M, EPS $0.98 vs $0.77 YoY; NIM expands to 3.72%","bullets":["Net income $51.1M, diluted EPS $0.98 vs $0.77 YoY; operating EPS $0.97.","Net interest margin on FTE basis 3.72%, up 7 bps QoQ and 28 bps YoY; total deposit cost down 10 bps to 1.34%.","Period-end deposits $13.74B (+$240M QoQ, +$2.03B YoY); loans $11.55B (-$50.9M QoQ, +$1.57B YoY including Evans).","Provision for loan losses $5.6M vs $3.8M prior quarter; net charge-offs 0.17% annualized; NPLs 0.53%.","Company repurchased 250,000 shares for $11.0M at avg $44.06; TBVPS $27.05 (+51 bps QoQ)."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-016398","json":"https://secwatch.observer/filing/0001140361-26-016398.json","markdown":"https://secwatch.observer/filing/0001140361-26-016398.md","text":"https://secwatch.observer/filing/0001140361-26-016398.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036126016398/0001140361-26-016398-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036126016398/ef20071127_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:44:04.651513+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":[{"claim_id":"316d8e09ecfb8bcc086bc0c384226526d3e3ac46","claim":"NBT BANCORP INC reported the three months ended March 31, 2026 results: net income $51.1 million, EPS $0.98 per diluted common share.","evidence_excerpt":"NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three months ended March 31, 2026. Net income for the first quarter of 2026 was $51.1 million, or $0.98 per diluted common share, compared to $36.7 million, or $0.77 per diluted common share, for the first quarter of 2025, and $55.5 million, or $1.06 per diluted common share, for the fourth quarter of 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036126016398/0001140361-26-016398-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Net income","value":"$51.1 million"},{"label":"EPS","value":"$0.98 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}