NBT BANCORP INC — Form 8-K
Filed October 27, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 38/100
What the filing says
NBT Bancorp reported Q3 2026 net income of $58.0M ($1.11 diluted EPS), a 6.4% increase from Q3 2025 ($54.5M; $1.03 EPS). The company declared a Q4 dividend of $0.40/share, up $0.03 (8.1%) from Q3 2025, marking the 14th consecutive year of annual dividend increases. Key metrics: total loans $11.95B (+3.0% YTD), total deposits $13.59B (+0.1% YTD), NIM expanded 5bps to 3.78%, and nonperforming loans remained modest at 0.59% of total loans. Capital remains strong with CET1 ratio of 12.43%, tangible book value per share up 4.6% YTD to $27.75.
Why this rating
Solid quarter showing organic loan/deposit growth and NIM expansion. Dividend increase signals confidence. Relative to $2.1B market cap, $58M quarterly earnings (2.8% of cap) is routine. No major M&A, restatement, or strategic shifts—normal periodic earnings report.
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