---
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"
generated_at: "2026-05-15T04:44:04.651513+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp Q1 2026 net income $51.1M, EPS $0.98 vs $0.77 YoY; NIM expands to 3.72%

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-016398
- JSON: https://secwatch.observer/filing/0001140361-26-016398.json
- Plain text: https://secwatch.observer/filing/0001140361-26-016398.txt

## Key facts
- Earnings Releases
  NBT BANCORP INC reported the three months ended March 31, 2026 results: net income $51.1 million, EPS $0.98 per diluted common share.
  - Period: the three months ended March 31, 2026
  - Net income: $51.1 million
  - EPS: $0.98 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/790359/000114036126016398/0001140361-26-016398-index.htm

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