NBT Bancorp Inc. (NBTB) SEC Filings & Earnings Calls
EquiReason read 16 NBT Bancorp Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-09-21 — Board appointed Kimberly A. Boynton as director, effective Oct 1, 2026; standard director compensation; no material financial impact..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
NBTBNBT Bancorp Inc.Follow NBTB — free
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- Market cap
- 2.7B
- P/E TTM
- 12.9
- Dividend yield
- 2.8%
- 52-week
- —
- Next earnings
- 27 Oct, in 3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
21 Sep 20268-K · 5.02Board appointed Kimberly A. Boynton as director, effective Oct 1, 2026; standard director compensation; no material financial impact.SEC ↗
8 Sep 20268-K · 7.01NBT Bancorp Inc. made an investor presentation available on its website; no material financial or operational update provided.SEC ↗
7 Aug 202610-QNBT Bancorp reported Q2 2026 net income of $53.0M ($1.02 diluted EPS), up from $22.5M ($0.44) in Q2 2025, driven by margin expansion and lower provision and acquisition costs.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q2-2026 | $137M | +10% y/y |
| Net income · Q2-2026 | $53M | +136% y/y |
| Earnings per share (diluted) · Q2-2026 | $1.02 | +132% y/y |
| Total deposits · 2026-06-30 | $13.54B | |
| Allowance for loan losses · 2026-06-30 | $141M | +0% y/y |
| Loans nonperforming · 2026-06-30 | $65M | +41% y/y |
| Net interest margin (FTE) · Q2-2026 | 3.7% |
Risks flagged
Nonperforming loan increase
“Nonperforming loans at June 30, 2026 were $65.3 million or 0.55% of total loans, compared with $46.4 million or 0.40% of total loans at June 30, 2025.” · word for word
Geopolitical risk from Iran War
“However, the onset of the Iran War in 2026 has contributed to higher interest rates and an expectation for an elevated yield curve in the near term.” · word for word
27 Jul 20268-K · 2.02Net Income $53M (+136% y/y); Diluted EPS $1.02 (+132% y/y); Net Interest Margin (FTE) 3.73earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q2-2026 | $53M | +136% y/y |
| Diluted EPS · Q2-2026 | $1.02 | +132% y/y |
| Net Interest Margin (FTE) · Q2-2026 | 3.7% | |
| Total Loans · Q2-2026 | $11.87B | |
| Total Deposits · Q2-2026 | $13.54B | |
| Tangible Book Value per Share · Q2-2026 | $27.71 | |
| Dividend per Share · Q3-2026 | $0.40 | +8% y/y |
Risks flagged
Credit quality remains sound with low charge-offs
“Net charge-offs to average loans was 0.15% annualized; NPLs 0.55%” · word for word
19 May 20268-K · 5.07, 7.01NBT Bancorp declares Q2 2026 cash dividend of $0.37 per share, payable June 15, 2026. Routine quarterly dividend; no change from prior quarter.open
Figures in the filing · each found in the filing text
| Dividend per share · Q2-2026 | $0.37 |
18 May 20268-K · 7.01Routine annual meeting presentation; no material new information disclosed.SEC ↗
8 May 202610-QAllowance for credit losses $139M (+18% y/y); Allowance for credit losses as a percentage of loans 1.2; Provision for loan losses $6M (-26% y/y)open
Figures in the filing · each found in the filing text
| Allowance for credit losses · 2026-03-31 | $139M | +19% y/y |
| Allowance for credit losses as a percentage of loans · 2026-03-31 | 1.2% | |
| Provision for loan losses · Q1-2026 | $6M | -26% y/y |
| Net charge-offs · Q1-2026 | $5M | -24% y/y |
| Nonperforming loans · 2026-03-31 | $61M | +28% y/y |
| Nonaccrual loans · 2026-03-31 | $58M | +29% y/y |
| Potential problem loans · 2026-03-31 | $279M | |
| Total deposits · 2026-03-31 | $13.74B | |
| Net income · Q1-2026 | $51M | |
| Stock repurchase · Q1-2026 | $11M |
Risks flagged
Credit quality deterioration
“Nonperforming loans at March 31, 2026 were $61.3 million or 0.53% of total loans, compared with $51.7 million or 0.45% of total loans at December 31, 2025.” · word for word
CRE market stress
“Potential problem loans have increased to more normalized levels and the increase primarily relates to a few CRE relationships reflecting changing conditions in certain CRE markets including construction delays, rising costs and delays in leasing up spaces.” · word for word
Interest rate risk from Iran War
“The onset of the Iran War in 2026 has contributed to higher interest rates and an expectation for an elevated yield curve in the near term.” · word for word
4 May 20268-K · 7.01Investor presentation made available; no material financial or operational disclosure.SEC ↗
23 Apr 20268-K · 2.02Net income $51M (+39% y/y); Diluted EPS $0.98 (+27% y/y); Net interest margin (FTE) 3.72earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $51M | +39% y/y |
| Diluted EPS · Q1-2026 | $0.98 | +27% y/y |
| Net interest margin (FTE) · Q1-2026 | 3.7% | |
| Total loans · 2026-03-31 | $11.55B | +16% y/y |
| Total deposits · 2026-03-31 | $13.74B | +17% y/y |
| Net charge-offs to average loans (annualized) · Q1-2026 | 0.2% | |
| Nonperforming loans to total loans · 2026-03-31 | 0.5% | |
| Allowance for loan losses to total loans · 2026-03-31 | 1.2% | |
| Tangible book value per share · 2026-03-31 | $27.05 | |
| CET1 ratio · 2026-03-31 | 12.3% |
Risks flagged
Elevated commercial payoffs and planned run-off in consumer/solar portfolios may pressure loan growth.
“During the first quarter of 2026, we continued to experience elevated levels of commercial payoffs similar to the prior two quarters.” · word for word
6 Apr 2026DEF 14ADEF 14A proxy statement filed for 2026 annual meeting; discloses executive compensation, governance, and 2025 financial results.open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $169M | +20% y/y |
| EPS · FY2025 | $3.33 | +12% y/y |
| Operating Net Income · FY2025 | $195M | +39% y/y |
| Operating EPS · FY2025 | $3.82 | +30% y/y |
| Return on Average Tangible Common Equity (ROATCE) · FY2025 | 14.1% | |
| Net Interest Margin (FTE) · FY2025 | 3.6% | |
| Nonperforming Assets to Total Assets · FY2025 | 0.3% | |
| Total Deposits · FY2025 | $1.86B | |
| Loans · FY2025 | $1.67B | |
| Noninterest Income · FY2025 | $19M | +11% y/y |
Risks flagged
Credit risk from loan growth and acquisition integration
“Net charge-off ratio 0.16% (between target 0.20% and maximum 0.10%)”
Interest rate sensitivity and margin pressure
“The Company's full year results reflect a consistent dedication to strengthening our traditional banking franchise, expanding diversified revenue sources and navigating volatility in the interest rate environment and overall economic conditions” · word for word
27 Feb 202610-KNet income $169M (+20% y/y); Total deposits $13.50B (+17% y/y); Allowance for credit losses $138M (+19% y/y)open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $169M | +20% y/y |
| Total deposits · 2025-12-31 | $13.50B | +17% y/y |
| Allowance for credit losses · 2025-12-31 | $138M | +19% y/y |
| Loans nonperforming · 2025-12-31 | $52M | +0% y/y |
| Loans potential problem · 2025-12-31 | $272M | +134% y/y |
| Provision for loan losses · FY2025 | $32M | +65% y/y |
| Net charge-offs · FY2025 | $18M | -0% y/y |
| Basic Surplus · 2025-12-31 | $2.98B | +27% y/y |
| Net interest income · FY2025 | $502M | +25% y/y |
| Noninterest income · FY2025 | $195M | +11% y/y |
Risks flagged
Credit quality deterioration
“The Company has also identified approximately $271.8 million in potential problem loans at December 31, 2025, as compared to $116.1 million at December 31, 2024.” · word for word
Regulatory compliance cost
“We are subject to heightened regulatory requirements because we exceed $10 billion in total consolidated assets.” · word for word
10 Feb 20268-K · 7.01NBT Bancorp made an investor presentation available on its website; no material financial or operational updates disclosed.SEC ↗
26 Jan 20268-K · 2.02, 5.02Net Income $56M (+54% y/y); Diluted EPS $1.06 (+40% y/y); Operating Diluted EPS $1.05 (+36% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q4-2025 | $56M | +54% y/y |
| Diluted EPS · Q4-2025 | $1.06 | +40% y/y |
| Operating Diluted EPS · Q4-2025 | $1.05 | +36% y/y |
| Net Interest Income (FTE) · Q4-2025 | $136M | |
| Net Interest Margin (FTE) · Q4-2025 | 3.6% | |
| Total Loans · Dec 31, 2025 | $11.60B | +16% y/y |
| Total Deposits · Dec 31, 2025 | $13.50B | +17% y/y |
| Provision for Loan Losses · Q4-2025 | $4M | |
| Net Charge-offs to Average Loans · Q4-2025 | 0.2% | |
| Nonperforming Loans to Total Loans · Dec 31, 2025 | 0.5% |
Risks flagged
Credit quality remains stable; low charge-offs and NPLs.
“Net charge-offs 0.16%; NPLs 0.45%.”
Integration risk from Evans acquisition; $1.67B loans and $1.86B deposits added.
“Completed acquisition of Evans Bancorp on May 2, 2025.”
7 Nov 202510-QNBTB reported Q3 2025 results with stable net interest income sensitivity, strong deposit growth from Evans acquisition, but a significant increase in potential problem loans.earningsopen
Figures in the filing · each found in the filing text
| Total deposits · Q3-2025 | $13.66B | |
| Allowance for credit losses · Q3-2025 | $139M | |
| Nonperforming loans · Q3-2025 | $53M | |
| Potential problem loans · Q3-2025 | $211M | |
| Net income · 9M-2025 | $114M | |
| Provision for loan losses · Q3-2025 | $3M | |
| Net charge-offs · Q3-2025 | $4M | |
| Basic Surplus · Q3-2025 | $2.78B | |
| Tangible book value per share · Q3-2025 | $25.51 | |
| Book value per share · Q3-2025 | $35.33 |
Risks flagged
Credit quality deterioration
“In addition to nonperforming loans discussed above, the Company has also identified approximately $211.3 million in potential problem loans at September 30, 2025, as compared to $116.1 million at December 31, 2024 and $119.9 million at September 30, 2024.” · word for word
Commercial real estate exposure
“Most of the increase involves commercial real estate and reflects changing conditions in commercial markets including delays in construction, rising costs and delays in leasing spaces.” · word for word
Interest rate risk
“Interest rate risk is the most significant market risk affecting the Company.” · word for word
4 Nov 20258-K · 7.01NBT Bancorp made available a presentation for investor meetings; no material financial or operational updates disclosed.SEC ↗
27 Oct 20258-K · 2.02Net income $54M (+43% y/y); Diluted earnings per share $1.03 (+29% y/y); Operating diluted earnings per share $1.05 (+31% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $55M | +43% y/y |
| Diluted earnings per share · Q3-2025 | $1.03 | +29% y/y |
| Operating diluted earnings per share · Q3-2025 | $1.05 | +31% y/y |
| Net interest margin (FTE) · Q3-2025 | 3.7% | |
| Net interest income (FTE) · Q3-2025 | $135M | |
| Total loans · Q3-2025 | $11.60B | +17% y/y |
| Total deposits · Q3-2025 | $13.66B | +18% y/y |
| Return on average assets · Q3-2025 | 1.4% | |
| Return on average tangible common equity · Q3-2025 | 17.4% | |
| Tangible book value per share · Q3-2025 | $25.51 |
Risks flagged
Acquisition integration risk: Evans acquisition added $1.67B loans and $1.86B deposits; integration execution and credit quality of acquired portfolio remain key.
“Completed the acquisition of Evans Bancorp, Inc. on May 2, 2025, adding 200 employees and 18 banking locations in Western New York, $1.67 billion in loans and $1.86 billion in deposits.” · word for word
Credit quality remains benign but net charge-offs annualized at 0.15% and provision of $3.1M warrant monitoring.
“Net charge-offs to average loans was 0.15% annualized; Provision for loan losses was $3.1 million.” · word for word
Run-off portfolios (other consumer and residential solar) could pressure loan growth if not replaced.
“Excluding the other consumer and residential solar portfolios, which are in a planned run-off status, and the loans acquired from Evans, period end loans increased $132.4 million.” · word for word
NBT Bancorp Inc. — questions
- What did NBT Bancorp Inc. file recently?
- 16 SEC filings in the last 12 months. Latest: 8-K on 2026-09-21 — Board appointed Kimberly A. Boynton as director, effective Oct 1, 2026; standard director compensation; no material financial impact.
Every figure on this page comes from NBT Bancorp Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.