Nbt Bancorp INC (NBTB) — SEC Filings

Q: What are the key financial highlights for Nbt Bancorp INC?

Key financial highlights for Nbt Bancorp INC are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Nbt Bancorp INC?

Key executives at Nbt Bancorp INC are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Nbt Bancorp INC stock?

Risk factors for Nbt Bancorp INC (NBTB) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Nbt Bancorp INC?

Forward-looking statements and predictions from Nbt Bancorp INC are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Nbt Bancorp INC. Recent ARS filing on Apr 6, 2026. AI-decoded analysis of earnings, risk factors, and insider trades.

View Nbt Bancorp INC on SEC EDGAR

Overview

Nbt Bancorp INC (NBTB) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a ARS filed on Apr 6, 2026: NBT Bancorp Inc. filed an Annual Report to Security Holders (ARS) on April 6, 2026, for the period ending December 31, 2025. The filing includes the complete submission text file and the ARS document itself, totaling over 6.6 million bytes. NBT Bancorp Inc. is a national commercial bank incorporated

Sentiment Summary

Across 41 filings, the sentiment breakdown is: 2 bullish, 38 neutral, 1 mixed. The dominant filing sentiment for Nbt Bancorp INC is neutral.

Filing Type Overview

Nbt Bancorp INC (NBTB) has filed 1 ARS, 1 DEFA14A, 6 10-Q, 27 8-K, 2 DEF 14A, 2 10-K, 2 SC 13G/A with the SEC between Jan 2024 to Apr 2026.

Filings by Year

2026 · 2025 · 2024

Recent Filings (41)

NBT Bancorp Files 2025 Annual Report — ARS · Apr 6, 2026 Risk: low
NBT Bancorp Inc. filed an Annual Report to Security Holders (ARS) on April 6, 2026, for the period ending December 31, 2025. The filing includes the complete su
DEFA14A Filing — DEFA14A · Apr 6, 2026
NBT Bancorp's Q3 Net Income Jumps 43% on Strong Loan Growth, Acquisition Boost — 10-Q · Nov 7, 2025 Risk: medium
NBT Bancorp Inc. reported a significant increase in net income for the three months ended September 30, 2025, reaching $54.471 million, up from $38.097 million
8-K Filing — 8-K · Nov 4, 2025
NBT Bancorp Inc. Files 8-K on Financials — 8-K · Oct 27, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on October 27, 2025, reporting on its results of operations and financial condition. The filing includes financial statements and
NBT Bancorp Files 8-K — 8-K · Aug 29, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on August 29, 2025, to report current information as required by the SEC. The filing does not detail specific transactions or even
NBT Bancorp Q2 Net Income Dips to $38.2M Amidst Asset Growth — 10-Q · Aug 8, 2025 Risk: medium
NBT Bancorp Inc. reported a net income of $38.2 million for the second quarter of 2025, a decrease from $40.5 million in the second quarter of 2024. For the six
NBT Bancorp Inc. Files 8-K on Financials — 8-K · Jul 28, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on July 28, 2025, reporting on its results of operations and financial condition. The filing includes financial statements and exh
NBT Bancorp Inc. Files 8-K with Officer, Director, and Compensation Updates — 8-K · May 20, 2025 Risk: low
On May 20, 2025, NBT Bancorp Inc. filed an 8-K report detailing several key events. These include the departure of directors or certain officers, the election o
NBT Bancorp Files Form 8-K — 8-K · May 19, 2025 Risk: low
NBT Bancorp Inc. announced on May 19, 2025, that it is filing a Form 8-K to report current information. The filing pertains to general corporate matters and doe
NBT Bancorp Files 8-K for Regulation FD Disclosure — 8-K · May 14, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on May 14, 2025, to report a Regulation FD Disclosure. The filing does not contain specific details about the nature of the disclo
NBT Bancorp Inc. Files Q1 2025 10-Q Report — 10-Q · May 9, 2025 Risk: low
NBT Bancorp Inc. filed its 10-Q report for the period ending March 31, 2025. The filing details the company's financial position and performance, including bala
NBT Bancorp Inc. Reports Asset Acquisition/Disposition — 8-K · May 5, 2025 Risk: medium
NBT Bancorp Inc. filed an 8-K on May 5, 2025, reporting on events that occurred on May 2, 2025. The filing indicates the completion of an acquisition or disposi
NBT Bancorp Files 8-K on Financials — 8-K · Apr 24, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on April 24, 2025, reporting on its results of operations and financial condition. The filing includes financial statements and ex
NBT Bancorp Inc. Files 2025 Proxy Statement — DEF 14A · Apr 7, 2025 Risk: low
NBT Bancorp Inc. filed its definitive proxy statement (DEF 14A) on April 7, 2025, for its 2025 Annual Meeting of Stockholders scheduled for May 20, 2025. The fi
NBT Bancorp Inc. Files 8-K on Officer Changes and Financials — 8-K · Mar 24, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on March 24, 2025, reporting on the departure of directors or certain officers, the election of directors, the appointment of cert
NBT Bancorp Files 2024 10-K, Details SOFR-Linked Debt — 10-K · Feb 28, 2025 Risk: medium
NBT Bancorp Inc. filed its 10-K for the fiscal year ending December 31, 2024. The filing details the company's financial performance and operations. Key financi
NBT Bancorp Files 8-K for Regulation FD Disclosure — 8-K · Feb 12, 2025 Risk: low
NBT Bancorp Inc. filed a Form 8-K on February 12, 2025, to report a Regulation FD Disclosure. The filing does not contain specific details about the nature of t
NBT Bancorp Files 8-K on Financials — 8-K · Jan 27, 2025 Risk: low
NBT Bancorp Inc. filed an 8-K on January 27, 2025, reporting on its results of operations and financial condition. The filing includes financial statements and
NBT Bancorp Inc. Files 8-K for Other Events — 8-K · Dec 20, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on December 20, 2024, reporting other events and financial statements. The filing does not detail specific transactions or financi
NBT Bancorp Inc. Files 8-K for Other Events — 8-K · Dec 13, 2024 Risk: medium
NBT Bancorp Inc. filed an 8-K on December 13, 2024, reporting "Other Events." The filing does not contain specific details about the nature of these events, dol
NBT Bancorp Inc. Files 8-K — 8-K · Nov 12, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on November 12, 2024, to report current information. The filing does not detail specific transactions or events but serves as a st
NBT Bancorp Inc. Files Q3 2024 10-Q Report — 10-Q · Nov 8, 2024 Risk: low
NBT Bancorp Inc. filed its 10-Q for the period ending September 30, 2024. The filing details financial performance and operational updates for the third quarter
NBT Bancorp Inc. Files 8-K on Financials — 8-K · Oct 28, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on October 28, 2024, reporting on its results of operations and financial condition. The filing includes financial statements and
NBT Bancorp Inc. Enters Material Definitive Agreement — 8-K · Sep 9, 2024 Risk: medium
NBT Bancorp Inc. announced on September 9, 2024, that it has entered into a material definitive agreement. The company, incorporated in Delaware with its princi
NBT Bancorp Files 8-K for Regulation FD Disclosure — 8-K · Sep 3, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on September 3, 2024, to report a Regulation FD Disclosure. The filing does not contain specific details about the nature of the d
NBT Bancorp Inc. Files Q2 2024 10-Q Report — 10-Q · Aug 9, 2024 Risk: low
NBT Bancorp Inc. filed its 10-Q for the period ending June 30, 2024. The filing details the company's financial performance and position, including its assets a
NBT Bancorp Inc. Files 8-K on Financials — 8-K · Jul 22, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on July 22, 2024, reporting on its results of operations and financial condition. The filing includes financial statements and exh
NBT Bancorp Inc. Reports Director Changes and Officer Appointments — 8-K · May 22, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on May 22, 2024, reporting on several key events that occurred on May 21, 2024. These include the departure of directors or certai
NBT Bancorp Inc. Reports Director and Officer Changes — 8-K · May 21, 2024 Risk: medium
NBT Bancorp Inc. announced on May 21, 2024, changes in its board of directors and executive officers. The filing details the departure of certain officers and t
NBT Bancorp Files 8-K for Regulation FD Disclosure — 8-K · May 20, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on May 20, 2024, to report a Regulation FD Disclosure. The filing does not contain specific details about the nature of the disclo
NBT Bancorp Inc. Files 10-Q for Period Ending March 31, 2024 — 10-Q · May 9, 2024 Risk: low
NBT BANCORP INC (NBTB) filed a Quarterly Report (10-Q) with the SEC on May 9, 2024. NBT Bancorp Inc. filed a 10-Q report for the quarterly period ended March 31
NBT Bancorp Inc. Files 8-K Report — 8-K · May 8, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on May 8, 2024, to report information under Regulation FD. The filing does not contain specific details about new events, agreemen
NBT Bancorp Inc. Files 8-K for Financial Reporting — 8-K · Apr 22, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on April 22, 2024, to report on its results of operations and financial condition, as well as to file financial statements and exh
NBT Bancorp Inc. files Definitive Proxy Statement for 2024 Annual Meeting — DEF 14A · Apr 5, 2024 Risk: low
NBT BANCORP INC (NBTB) filed a Proxy Statement (DEF 14A) with the SEC on April 5, 2024. NBT Bancorp Inc. will hold its 2024 Annual Meeting of Stockholders virtu
NBT Bancorp Inc. Files 8-K — 8-K · Mar 1, 2024 Risk: low
NBT Bancorp Inc. filed an 8-K on March 1, 2024, to report current information. The filing indicates the company's principal executive offices are located at 52
NBT Bancorp Inc. Files 2023 Annual Report on Form 10-K — 10-K · Feb 29, 2024 Risk: medium
NBT BANCORP INC (NBTB) filed a Annual Report (10-K) with the SEC on February 29, 2024. NBT Bancorp Inc. filed its 2023 Form 10-K on February 29, 2024, reporting
Vanguard Boosts NBT Bancorp Stake to 12.79% — SC 13G/A · Feb 13, 2024 Risk: low
The Vanguard Group, a major investment firm, filed an amended SC 13G/A on February 13, 2024, for NBT Bancorp Inc. (NBTB). As of December 29, 2023, Vanguard repo
NBT Bancorp Files 8-K on Financial Condition, Operations — 8-K · Jan 23, 2024
NBT BANCORP INC. filed an 8-K on January 23, 2024, to report on its financial condition and results of operations. This filing indicates that the company is pro
BlackRock Amends NBT Bancorp Stake, Signals Continued Confidence — SC 13G/A · Jan 23, 2024
BlackRock Inc. filed an amended SC 13G/A on January 23, 2024, indicating its ownership of NBT Bancorp Inc. common stock as of December 31, 2023. This filing, Am
NBT Bancorp Files 8-K Confirming Corporate Details, NASDAQ Listing — 8-K · Jan 22, 2024
NBT BANCORP INC. filed an 8-K on January 22, 2024, to report general corporate information, including its address, phone number, and stock exchange listing. The

Risk Profile

Risk Assessment: Of NBTB's 36 recent filings, 0 were flagged as high-risk, 8 as medium-risk, and 28 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Nbt Bancorp INC's most recent 10-Q filing (Nov 7, 2025):

Revenue: $190,467,000
Net Income: $54,471,000
EPS: $1.04
Debt-to-Equity: 7.70
Cash Position: $245,757,000
Operating Margin: N/A
Total Assets: $16,112,584,000
Total Debt: $193,500,000

Key Executives

Martin A. Dietrich

Industry Context

The banking industry is currently navigating a complex environment characterized by evolving interest rate policies, increasing competition, and a growing emphasis on digital transformation. Consolidation through mergers and acquisitions, like NBT's acquisition of Evans Bancorp, remains a key trend as institutions seek scale and expanded market reach. Focus on credit quality and managing interest rate risk are paramount for sustained profitability.

Top Tags

financial-reporting (7) · disclosure (6) · sec-filing (5) · 8-k (5) · financials (4) · regulation-fd (4) · corporate-governance (4) · regulatory-filing (4) · 10-Q (4) · results-of-operations (3)

Key Numbers

Total File Size: 6.6MB — Includes ARS document and submission text file.
Net Income (Q3 2025): $54.47M — Increased 42.98% from $38.097M in Q3 2024
Total Assets (Sep 30, 2025): $16.11B — Increased from $13.786B at Dec 31, 2024, largely due to Evans acquisition
Net Loans (Sep 30, 2025): $11.45B — Increased from $9.853B at Dec 31, 2024
Total Deposits (Sep 30, 2025): $13.66B — Increased from $11.546B at Dec 31, 2024
Basic EPS (Q3 2025): $1.04 — Increased from $0.81 in Q3 2024
Net Interest Income (Q3 2025): $134.66M — Increased 32.46% from $101.669M in Q3 2024
Provision for Loan Losses (9M 2025): $28.48M — Increased from $17.398M in 9M 2024
Shares Issued for Acquisition: 5,108,663 — Common stock issued for Evans Bancorp acquisition
Cash Dividends Per Share (Q3 2025): $0.37 — Increased from $0.34 in Q3 2024
Accumulated Other Comprehensive Loss (Sep 30, 2025): $98.88M — Improved from $(142.098)M at Dec 31, 2024
SEC File Number: 000-14703 — Identifies the company's filing with the SEC.
EIN: 16-1268674 — Employer Identification Number for tax purposes.
Q2 2025 Net Income: $38.2M — Decreased from $40.5M in Q2 2024, indicating a 5.7% decline.
YTD 2025 Net Income: $75.1M — Down from $80.1M in YTD 2024, a 6.2% decrease.

Forward-Looking Statements

{"claim":"NBT Bancorp Inc. stock price will see increased stability due to Vanguard's significant stake.","entity":"NBT Bancorp Inc.","targetDate":"Q2 2024","confidence":"medium"}
{"claim":"Vanguard will maintain or slightly increase its stake in NBT Bancorp Inc. in future filings.","entity":"The Vanguard Group","targetDate":"Q4 2024","confidence":"high"}

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Frequently Asked Questions

What are the latest SEC filings for Nbt Bancorp INC (NBTB)?

Nbt Bancorp INC has 41 recent SEC filings from Jan 2024 to Apr 2026, including 27 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of NBTB filings?

Across 41 filings, the sentiment breakdown is: 2 bullish, 38 neutral, 1 mixed. The dominant sentiment is neutral.

Where can I find Nbt Bancorp INC SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Nbt Bancorp INC (NBTB) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Nbt Bancorp INC?

Key financial highlights from Nbt Bancorp INC's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for NBTB?

The investment thesis for NBTB includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Nbt Bancorp INC?

Key executives identified across Nbt Bancorp INC's filings include Martin A. Dietrich.

What are the main risk factors for Nbt Bancorp INC stock?

Of NBTB's 36 assessed filings, 0 were flagged high-risk, 8 medium-risk, and 28 low-risk.

What are recent predictions and forward guidance from Nbt Bancorp INC?

Recent forward-looking statements from Nbt Bancorp INC include guidance on {"claim":"NBT Bancorp Inc. stock price will see increased stability due to Vanguard's significant stake.","entity":"NBT and 1 other predictions.