NBTB NBT BANCORP INC

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Regional bank holding company with $16.00 billion in consolidated assets as of Dec 31, 2025
• • Emphasis on enhanced regulatory compliance due to surpassing $10 billion asset threshold, including Volcker Rule and CFPB examinations
• • Increased focus on cybersecurity and AI risks, addressing evolving threats and regulatory uncertainties with ongoing investments
• • Investment in FHLB of New York common stock valued at $13.6 million supports liquidity and funding capacity
• • Noteworthy legal and environmental liabilities from real estate-backed loan portfolio with potential contamination risks

Risk Factors

• • Regulatory risk from Expanded Guidance for Subprime Lending Programs by Federal bank regulators limiting subprime mortgage exposure
• • Macroeconomic risk from $4.80B commercial real estate loans including $405.3M construction loans, sensitive to borrower payment ability and financing availability
• • Operational risk in planned run-off of $737M residential solar loan portfolio affecting future earnings and asset mix
• • Competitive risk from technology-driven consumer lending via affiliates LendingClub and Springstone in run-off, impacting consumer loan growth
• • Financial risk of $5.86B estimated uninsured deposits representing 50.8% of total deposits, exposing liquidity to large account withdrawals

Management Discussion & Analysis

• • Revenue $328.4M, down 1.7% YoY from $334.1M in prior year
• • Net interest margin decreased to 3.15% vs 3.43% in prior year
• • Best segment: Commercial Banking with net income $75M, worst: Wealth Management net income $8M
• • Operating expenses $185M up 3.2%, efficiency ratio 56.3% vs 54.8% prior year
• • Cash dividends $25.4M, share repurchases $10M, capital expenditures $7M
• • Management expects stable loan growth, but notes rising interest rates and regulatory changes as key risks

What are the latest NBTB SEC filings in 2026?

NBT BANCORP INC (NBTB) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 27, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did NBTB file its most recent 10-K annual report?

NBT BANCORP INC (NBTB) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view NBTB 10-Q quarterly reports?

NBT BANCORP INC (NBTB)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every NBTB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has NBTB filed recently?

NBT BANCORP INC (NBTB)'s most recent 8-K was filed on July 27, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find NBTB insider trading activity (Form 4)?

SignalX aggregates every NBTB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does NBTB file with the SEC?

NBT BANCORP INC (NBTB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new NBTB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for NBT BANCORP INC (NBTB).

What is NBTB's SEC CIK number?

NBT BANCORP INC (NBTB)'s SEC CIK (Central Index Key) number is 790359. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 790359 to look up all NBTB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find NBTB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from NBT BANCORP INC (NBTB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.