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

NBT Bancorp Q1 2026 net income rises to $51.1 million, $0.98 a share

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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

The filing

CompanyNBT Bancorp (NBTB)
Form8-K, current report
Filed with the SECApr 23, 2026, 4:30 PM ET
Accession number0001140361-26-016398

Items reported: 2.02 Results of Operations

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 April 23, 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.