{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-029754","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2026-07-27T20:30:40+00:00","discovered_at":"2026-07-27T20:31:00.562083+00:00","generated_at":"2026-07-27T20:31:09.192692+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NBT Bancorp Q2 net income $53M, EPS $1.02; raises dividend 8.1% to $0.40","bullets":["Q2 2026 net income $53.0M ($1.02 diluted EPS) vs $22.5M ($0.44) in Q2 2025; operating diluted EPS $1.01.","Quarterly cash dividend raised 8.1% to $0.40 per share, payable Sept 15, 2026; 14th consecutive annual increase.","Net interest margin (FTE) 3.73%, up 14 bps YoY; period-end loans $11.87B (+2.4% from Dec 2025).","Redeemed $25M subordinated debt (3.50% fixed, converted to floating 6.50%) on June 30, 2026.","Tangible book value per share $27.71, up 4.4% from Dec 2025; CET1 ratio 12.24%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-029754","json":"https://secwatch.observer/filing/0001140361-26-029754.json","markdown":"https://secwatch.observer/filing/0001140361-26-029754.md","text":"https://secwatch.observer/filing/0001140361-26-029754.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/0001140361-26-029754-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-27T20:31:09.192692+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"}