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NBT BANCORP INC (NBTB) filed an 8-K current report with the SEC on July 27, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Second-quarter 2026 results covered quarter ended June 30, 2026.
NBT BANCORP INC 8-K event analysis
AI summary of each reported item and its exhibits
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
- Investor conference call scheduled July 28, 2026, at 10:00 a.m. Eastern Time
Item EX-99.1 · Exhibit 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
- Loans grew 2.4% to $11.87B from December 31, while deposits reached $13.54B and loan-to-deposit ratio rose to 87.7%
- Credit risk bears monitoring: nonperforming loans increased to 0.55%, nonperforming assets to 0.40%, and past-due loans to 0.63%
- Quarterly dividend increased 8.1% to $0.40 per share, the fourteenth consecutive annual increase; $25M subordinated debt redeemed at maturity transition to 6.50% floating rate
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