NBTB at a glance
NBT BANCORP INC (NBTB, SEC CIK 790359) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 21, 2026 and Form 4 insider filings as recently as July 30, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), NBT BANCORP INC (NBTB) reported revenue of $183.0 million (up 10.4% from FY2024) and net income of $169.2 million. Diluted EPS was $3.33.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding NBT BANCORP INC (NBTB) shares worth $1.2 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Halliday Sarah A on July 29, 2026 of 9,000 shares at $54.04 per share.
- In the last 90 days, NBTB insiders reported 0 open-market purchases ($0) and 2 open-market sales ($731K) on Form 4, a net sale of $731K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $183.0M
- +10.4% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$731K
- 13F holders
- 31 funds
- $1.2B · −3 vs prior quarter
- Latest 8-K
- Sep 21, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the NBTB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $53.0M, up $30.5M YoY; diluted EPS $1.02 vs $0.44
- Return on average assets 1.32% vs 0.59%; FTE NIM 3.73% vs 3.59%
- Net interest income $137.0M, up 10.3% YoY; noninterest income $49.6M, up 5.8%
- Loans $11.87B, up 2.4% from December 31, 2025; deposits $13.54B, up $38.1M
- $25M subordinated debt redemption using existing liquidity; downside forecast weighting 35% with recessionary unemployment peak of 7.81%
Risk Factors
- No risk-factors section provided; supplied text covers equity repurchases, defaults, disclosures, exhibits, and signatures
- Share-repurchase risk: 68,595 shares bought at $43.96, leaving 1,431,405 authorized shares
- Capital-allocation risk: Repurchase program permits 2,000,000 shares through December 31, 2027
- Regulatory disclosure risk: No Rule 10b5-1 or non-Rule 10b5-1 trading arrangements adopted, modified, or terminated
- Senior-securities risk: No defaults reported during the quarter
AI summary of the NBTB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Board expanded to 13 directors with Kimberly A. Boynton joining effective October 1, 2026
- Independent Nasdaq-qualified director with healthcare, finance, governance and commercial real estate expertise
Item EX-99.1: Item EX-99.1
- Kimberly A. Boynton joining NBT Bancorp and NBT Bank boards effective October 1, 2026
- Board addition brings healthcare executive, CFO, accounting, governance and commercial real estate experience
Item 7.01: Regulation FD Disclosure
- NBT Bancorp released an investor presentation on September 8, 2026 for upcoming analyst and investor meetings
- Presentation may contain updated strategy, operating outlook, or financial information relevant to NBTB valuation
Item 2.02: Results of Operations and Financial Condition
- Second-quarter 2026 results covered quarter ended June 30, 2026
- Earnings release issued July 27, 2026, with detailed results in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 net income $53.0M, EPS $1.02 versus $22.5M and $0.44 year-over-year, reflecting Evans acquisition impact
- Net interest margin 3.73%, up 14 basis points year-over-year as funding costs declined
AI summaries of NBTB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for NBTB
Don't miss the next NBTB filing
- Alerts as it files. A push when NBTB files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut NBTB, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Halliday Sarah A | Sell | Jul 29, 2026 | 9,000 | $54.04 |
| Mahoney Ruth H | Sell | Jul 29, 2026 | 4,500 | $54.30 |
| Sparks Martin Randolph | Sell | Jun 12, 2026 | 1,200 | $48.04 |
| Hoeller Heidi M | Sell | Jun 12, 2026 | 2,100 | $48.03 |
| WATT JOHN H JR | Sell | Jun 9, 2026 | 21,000 | $47.42 |
| Mahoney Ruth H | Sell | Jun 5, 2026 | 5,000 | $46.60 |
| Smaniotto Cynthia A | F | May 15, 2026 | 285 | $44.09 |
| Halliday Sarah A | I | May 11, 2026 | 4,015.748 | $44.82 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $144.7M | $165.7M | $183.0M | |
| Net Income | $118.8M | $140.6M | $169.2M | |
| Net Margin | 82.1% | 84.9% | 92.5% | |
| Balance Sheet | ||||
| Total Assets | $13.3B | $13.8B | $16.0B | |
| Equity | $1.4B | $1.5B | $1.9B | |
| ROE | 8.3% | 9.2% | 8.9% | |
| Per Share | ||||
| EPS | $2.65 | $2.97 | $3.33 | |
| Cash Flow | ||||
| Operating CF | $157.5M | $188.6M | $235.2M | |
Source: XBRL data in NBT BANCORP INC (NBTB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate NBTB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $1.20B |
| Q1 2026 | 34 | $950.3M |
| Q4 2025 | 32 | $924.1M |
| Q3 2025 | 32 | $944.5M |
| Q2 2025 | 32 | $931.2M |
| Q1 2025 | 28 | $592.6M |
| Q4 2024 | 23 | $618.2M |
| Q3 2024 | 21 | $291.3M |
- FMR LLC (Fidelity)+1.61M (+1232%)
- State Street Corp+245.2K (+10%)
- Two Sigma Investments+85.0K (+55%)
- BlackRock+77.8K (+1%)
- Dimensional Fund Advisors+75.2K (+3%)
- Goldman Sachs Group−97.5K (-37%)
- Bank of America Corp−36.8K (-23%)
- Morgan Stanley−33.3K (-7%)
- Citadel Advisors LLC−28.9K (-12%)
- Vanguard Portfolio Management LLC−25.6K (-1%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 233 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
NBTB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 21, 2026 | - | Analysis | - |
| 8-K | Sep 8, 2026 | - | Analysis | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Aug 7, 2026 | - | - | |
| 4 | Jul 30, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 8, 2026 | - | - | |
| 8-K | May 19, 2026 | - | Analysis | |
| 4 | May 18, 2026 | - | - | |
| 8-K | May 18, 2026 | - | Analysis | |
| 4 | May 13, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 4, 2026 | - | Analysis | - |
| SC 13G | Apr 30, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Mar 25, 2026 | - | - | - |
| 4 | Mar 25, 2026 | - | - | - |
| 4 | Mar 25, 2026 | - | - | - |
| 4 | Mar 25, 2026 | - | - | - |
| 4 | Mar 25, 2026 | - | - | - |
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NBTB SEC filings: frequently asked questions
Are NBTB insiders buying or selling?
In the last 90 days, NBT BANCORP INC (NBTB) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $730,751 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold NBTB stock?
As of June 30, 2026, the largest NBT BANCORP INC (NBTB) holders among the 13F filers tracked by SignalX were BlackRock ($369.2 million), Vanguard Portfolio Management LLC ($170.3 million), State Street Corp ($134.9 million), Dimensional Fund Advisors ($118.8 million), Vanguard Capital Management LLC ($111.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was NBTB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), NBT BANCORP INC (NBTB) reported revenue of $183.0 million (up 10.4% from FY2024) and net income of $169.2 million. Diluted EPS was $3.33. The figures come from the XBRL data in the 10-K.
What are the main risks in NBTB's latest 10-K?
In the 10-K filed February 27, 2026, NBT BANCORP INC (NBTB) flagged: 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. (AI summary of the Risk Factors section.)
What did NBTB report in its latest 8-K?
NBT BANCORP INC (NBTB) filed an 8-K on September 21, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Board expanded to 13 directors with Kimberly A. Boynton joining effective October 1, 2026.
What are the latest NBTB SEC filings?
NBT BANCORP INC (NBTB) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 21, 2026 and a Form 4 insider filing on July 30, 2026.
What is NBTB's SEC CIK number?
NBT BANCORP INC (NBTB)'s SEC Central Index Key (CIK) is 790359. EDGAR lists every NBTB filing under that number.
Ask anything about NBTB
The research agent reads NBTB's filings, financials, insider trades and 13F holders, then answers with sources.