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AI brief of an SEC Form 8-K · NBT Bancorp (NBTB)

NBT Bancorp Q4 net income rises to $55.5 million; chief risk officer to step down

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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.

The filing

CompanyNBT Bancorp (NBTB)
Form8-K, current report
Filed with the SECJan 26, 2026, 4:30 PM ET
Accession number0001140361-26-002399

Items reported: 2.02 Results of Operations5.02 Director / Officer Change

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:49 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 26, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.