secwatch.observer — SEC 8-K summary
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Issuer:     NBT BANCORP INC (NBTB)
CIK:        0000790359
Form:       8-K
Filed at:   2026-07-27T20:30:40+00:00
Accession:  0001140361-26-029754
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/0001140361-26-029754-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-26-029754

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