---
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"
generated_at: "2026-07-27T20:31:09.192692+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp Q2 net income $53M, EPS $1.02; raises dividend 8.1% to $0.40

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-029754
- JSON: https://secwatch.observer/filing/0001140361-26-029754.json
- Plain text: https://secwatch.observer/filing/0001140361-26-029754.txt

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