Every material Form 8-K NBT Bancorp has filed with the SEC since May 22, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
NBT Bancorp made available an investor presentation that its executive management team intends to use at future meetings with investors and analysts. The filing is a Regulation FD disclosure with no financial results, guidance, or transaction details.
Filed November 3, 2026 under Item 7.01 (Regulation FD Disclosure)
Presentation slides are posted on the Investor Presentations page of the company's website at www.nbtbancorp.com
Filing is signed by Annette L. Burns, Executive Vice President and Chief Financial Officer
NBT Bancorp reported third quarter 2026 net income of $58.0 million, or $1.11 per diluted share, up from $54.5 million, or $1.03, a year earlier and $53.0 million, or $1.02, in the second quarter of 2026. The company also declared a fourth-quarter cash dividend of $0.40 per share, an 8.1% increase over the third quarter of 2025, which shareholders will receive on December 15, 2026.
Q3 2026 net income was $58.0 million, or $1.11 per diluted share, versus $54.5 million, or $1.03, in Q3 2025
Net interest margin on a fully taxable equivalent basis was 3.78%, up 5 basis points from the prior quarter
Nonperforming assets rose to 0.43% of total assets at September 30, 2026, from 0.40% at June 30, 2026
Fourth-quarter dividend of $0.40 per share is payable December 15, 2026 to holders of record as of December 1, 2026
NBT Bancorp's board increased its size to thirteen directors and appointed Kimberly A. Boynton, former President and CEO of Crouse Health, to fill the new seat effective October 1, 2026. The filing describes this as a board addition with no financial measures, and it does not change reported results.
Board expanded to thirteen directors; Boynton fills the newly created vacancy effective October 1, 2026.
Boynton, age 57, was President and CEO of Crouse Health from January 2014 until March 2023.
She is expected to serve on the Audit, Compensation and Benefits, and Risk Management Committees.
She will receive a prorated annual restricted stock unit grant and prorated annual retainers.
NBT Bancorp reported second quarter 2026 net income of $53.0 million, or $1.02 per diluted share, up from $22.5 million, or $0.44, a year earlier and $51.1 million, or $0.98, in the first quarter of 2026. The board approved a third-quarter cash dividend of $0.40 per share, an 8.1% increase over the third-quarter 2025 dividend. The year-over-year comparison is significantly affected by the Evans Bancorp acquisition completed May 2, 2025, and by $17.2 million of acquisition expenses recorded in the second quarter of 2025.
Operating diluted EPS, a non-GAAP measure, was $1.01 for Q2 2026, compared with $0.88 in Q2 2025 and $0.97 in Q1 2026.
Net interest margin on an FTE basis was 3.73%, up 14 basis points from Q2 2025.
Period end loans were $11.87 billion at June 30, 2026, up from $11.60 billion at December 31, 2025.
The $0.40 dividend is payable September 15, 2026 to stockholders of record as of September 1, 2026.
NBT Bancorp reported first quarter 2026 net income of $51.1 million, or $0.98 per diluted share, up from $36.7 million, or $0.77, a year earlier but down from $55.5 million, or $1.06, in the fourth quarter of 2025. The year-over-year comparison is significantly affected by the Evans Bancorp acquisition completed May 2, 2025. Tangible book value per share rose to $27.05 from $24.74 a year earlier.
Net income $51.1 million, or $0.98 diluted EPS, versus $36.7 million, or $0.77, in Q1 2025 and $55.5 million, or $1.06, in Q4 2025
Net interest income of $134.3 million, up 25.3% from Q1 2025 and down 0.8% from Q4 2025; net interest margin on an FTE basis was 3.72%
Nonperforming assets to total assets rose to 0.38% from 0.33% at December 31, 2025, mainly from commercial loans placed in nonaccrual status
Conference call at 10:00 a.m. Eastern on Friday, April 24, 2026
NBT Bancorp reported fourth-quarter 2025 net income of $55.5 million, or $1.06 per diluted share, up from $0.76 a year earlier, and full-year 2025 net income of $169.2 million, or $3.33 per diluted share, up from $2.97 in 2024. The board approved a first-quarter 2026 dividend of $0.37 per share, an 8.8% increase, and Chief Credit Officer and Chief Risk Officer Amy C. Wiles will step down from that role effective May 21, 2026, moving to an advisory role until her retirement in January 2027, which the company says was not the result of any disagreement.
Q4 2025 net income was $55.5 million, or $1.06 per diluted share, versus $36.0 million, or $0.76, a year earlier and $54.5 million, or $1.03, in Q3 2025.
Q4 2025 operating diluted EPS was $1.05, versus $0.77 a year earlier and $1.05 in Q3 2025.
Full-year 2025 net income was $169.2 million, or $3.33 per diluted share, versus $140.6 million, or $2.97, in 2024.
Amy C. Wiles will step down as EVP, Chief Credit Officer and Chief Risk Officer effective May 21, 2026, and retire in January 2027.
NBT Bancorp reported third-quarter 2025 net income of $54.5 million, or $1.03 per diluted share, up from $38.1 million, or $0.80, a year earlier, and up from $22.5 million in the second quarter. The company said the Evans Bancorp acquisition, completed May 2, 2025, significantly affected the comparisons, and it also declared a fourth-quarter dividend of $0.37 per share and amended its buyback program to allow up to 2,000,000 shares.
Net income $54.5 million and diluted EPS $1.03, versus $38.1 million and $0.80 in Q3 2024; operating diluted EPS was $1.05 (non-GAAP).
Net interest margin on a fully taxable equivalent basis was 3.66%, up 7 basis points from the prior quarter.
Quarterly dividend of $0.37 per share, an 8.8% increase over the fourth quarter of 2024, payable December 15, 2025.
Buyback amended to allow up to 2,000,000 shares through December 31, 2027; no shares were repurchased in the third quarter.
NBT Bancorp reported second quarter 2025 results on July 28, 2025. GAAP net income was $22.5 million, or $0.44 per diluted share, down from $32.7 million, or $0.69, a year earlier, while operating diluted EPS was $0.88, up from $0.69. The board approved a third-quarter cash dividend of $0.37 per share, an 8.8% increase, and results include acquisition costs from the Evans Bancorp deal completed May 2, 2025.
Net income $22.5 million, or $0.44 diluted EPS, versus $32.7 million, or $0.69, in Q2 2024 and $36.7 million, or $0.77, in Q1 2025
Operating diluted EPS (non-GAAP) of $0.88, versus $0.69 in Q2 2024 and $0.80 in Q1 2025
Q2 2025 included $17.2 million of acquisition expenses tied to the Evans Bancorp acquisition completed May 2, 2025
Quarterly cash dividend of $0.37 per share, up $0.03, payable September 15, 2025 to holders of record as of September 1, 2025
NBT Bancorp reported first quarter 2025 net income of $36.7 million, or $0.77 per diluted share, up from $33.8 million, or $0.71 per diluted share, a year earlier and $36.0 million, or $0.76, in the fourth quarter of 2024. Net interest margin rose to 3.44% and the company said its planned merger with Evans Bancorp is expected to close on May 2, 2025.
Net income was $36.7 million, or $0.77 per diluted share, versus $33.8 million, or $0.71, in Q1 2024
Operating diluted EPS, a non-GAAP measure, was $0.80 versus $0.68 in Q1 2024
Net interest margin on an FTE basis was 3.44%, up 10 basis points from Q4 2024
Evans Bancorp merger expected to close May 2, 2025; conference call set for April 25, 2025 at 10:00 a.m. Eastern
NBT Bancorp amended its supplemental retirement agreement with Scott Kingsley, increasing his annual Pay Based Credits by $500,000 so that total annual company-provided retirement contributions are not less than $1,000,000 starting with the 2025 Plan Year. The amendment is a compensation change for a named officer and is filed as Exhibit 10.1. The filing gives conflicting dates for the amendment, May 24, 2025 in the text and March 24, 2025 in the exhibit description.
Pay Based Credits increased by $500,000 per year under the SERP Amendment
Total annual company-provided retirement contributions for Mr. Kingsley not less than $1,000,000, effective with the 2025 Plan Year
Text says the amendment was entered into May 24, 2025; Exhibit 10.1 is dated March 24, 2025, and the filing is dated March 24, 2025
NBT Bancorp reported fourth-quarter 2024 net income of $36.0 million, or $0.76 per diluted share, up from $30.4 million, or $0.64 per share, a year earlier. Full-year 2024 net income was $140.6 million, or $2.97 per share, compared with $118.8 million, or $2.65 per share, in 2023. The board also approved a first-quarter 2025 cash dividend of $0.34 per share, a 6.3% increase over the prior year's first quarter.
Fourth-quarter net interest income was $106.1 million, up $4.4 million from the third quarter of 2024.
Fourth-quarter diluted EPS of $0.76 compares with $0.80 in the third quarter of 2024 and $0.64 in the fourth quarter of 2023.
First-quarter 2025 dividend of $0.34 per share is payable March 17, 2025, to stockholders of record as of March 3, 2025.
The Evans Bancorp merger is expected to close in the second quarter of 2025; a conference call is set for 10:00 a.m. Eastern on January 28, 2025.
NBT Bancorp reported third quarter 2024 net income of $38.1 million, or $0.80 per diluted share, up from $24.6 million, or $0.54 per share, a year earlier and $0.69 in the second quarter of 2024. The company also declared a fourth-quarter cash dividend of $0.34 per share, a 6.3% increase, and said its pending merger with Evans Bancorp is expected to close in the second quarter of 2025.
Q3 2024 net income was $38.1 million, or $0.80 per diluted share, versus $24.6 million, or $0.54, in Q3 2023
Operating diluted EPS was $0.80 in Q3 2024, compared with $0.84 in Q3 2023, a non-GAAP measure
Net interest income was $101.7 million, up 4.6% from Q2 2024 and 7.1% from Q3 2023; net interest margin was 3.27%
Quarterly cash dividend of $0.34 per share is payable December 16, 2024 to holders of record as of December 2, 2024
NBT Bancorp and its subsidiary bank signed a merger agreement to acquire Evans Bancorp, Inc., the holding company of Evans Bank, N.A. in Western New York. The companies value the transaction at about $236 million based on NBT's $46.28 closing price on September 6, 2024, and the deal is expected to close in the second quarter of 2025 after Evans shareholder and regulatory approvals. The filing lists the possible dilution from issuing additional NBT shares as a risk, so NBT shareholders would own a smaller share of the combined company.
Each Evans common share converts into the right to receive 0.91 shares of NBT common stock
Aggregate transaction value of about $236 million, based on NBT's $46.28 closing price on September 6, 2024
Evans had $2.26 billion in assets as of June 30, 2024, and 18 locations in the Buffalo and Rochester markets
Expected close in the second quarter of 2025; Evans may owe NBT an $8.4 million termination fee in certain circumstances
NBT Bancorp reported second quarter 2024 net income of $32.7 million, up from $30.1 million a year earlier, but diluted earnings per share were $0.69 versus $0.70. Net interest income rose 9.1% from a year earlier, while noninterest expense also climbed to $89.6 million from $78.8 million. The board approved a third-quarter cash dividend of $0.34 per share, a 6.3% increase that shareholders will receive on September 13, 2024.
Net income of $32.7 million vs. $30.1 million in Q2 2023; diluted EPS $0.69 vs. $0.70 a year earlier and $0.71 in Q1 2024
Operating diluted EPS (non-GAAP) of $0.69 vs. $0.80 in Q2 2023 and $0.68 in Q1 2024
Net interest income of $97.2 million, up 9.1% from Q2 2023; noninterest expense of $89.6 million vs. $78.8 million
Quarterly dividend raised to $0.34 per share, a 6.3% increase; payable September 13, 2024 to holders of record as of August 30, 2024
NBT Bancorp completed its leadership transition on May 21, 2024, with Scott A. Kingsley succeeding John H. Watt, Jr. as President and Chief Executive Officer. The company also signed new employment agreements with Kingsley, Annette L. Burns (Chief Financial Officer) and Joseph R. Stagliano, and said Watt will retire on January 31, 2025. The filing also reports shareholder approval of directors, pay and a 2024 incentive plan, and a second-quarter dividend of $0.32 per share.
Kingsley became President and CEO on May 21, 2024; he was also elected to the Board, and Watt moves to an advisory role until he retires on January 31, 2025
Kingsley's annual base salary is $800,000; Burns's is $400,000; Stagliano's is $530,000
Shareholders approved the 2024 Omnibus Incentive Plan and the advisory vote on executive pay at the May 21, 2024 Annual Meeting
Board approved a second-quarter cash dividend of $0.32 per share, payable June 17, 2024 to holders of record on June 3, 2024
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