secwatch.observer — SEC 8-K summary
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Issuer:     NBT BANCORP INC (NBTB)
CIK:        0000790359
Form:       8-K
Filed at:   2026-04-23T23:59:59+00:00
Accession:  0001140361-26-016398
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/790359/000114036126016398/0001140361-26-016398-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/790359/000114036126016398/ef20071127_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-26-016398

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