Every material Form 8-K NBT Bancorp filed with the SEC in 2025, 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 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.
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.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every NBT Bancorp filing is on SEC EDGAR ↗. 8-K briefs of other companies →