Nbt Bancorp Inc SEC Filings

Ruth H. Mahoney, EVP/President of Wealth Management at NBT Bancorp Inc. (NBTB), reported insider transactions dated 08/15/2025. The filing shows a sale of 758 shares of NBT Bancorp common stock at $42.13 per share. After that sale, Ms. Mahoney is reported to beneficially own 17,603.142 shares directly and 3,495.563 shares indirectly (401k). The report also discloses 9,287.828 shares of phantom stock held directly under the company’s Deferred Compensation Plan, each deemed invested in one share of common stock. The Form 4 was signed by a power of attorney on 08/18/2025.

David J. Nasca, a director of NBT Bancorp Inc. (NBTB), reported a sale of company common stock on 08/13/2025. The Form 4 shows 19,603 shares were sold at an average price of $43.417 per share, with the filer noting prices ranged between $43.32 and $43.54. After the reported sale, the filing lists 82,910 shares held directly and 2,133 shares held indirectly by a trust. The form was signed by a power of attorney on behalf of Mr. Nasca on 08/15/2025.

Form 144 submitted for NBT Bancorp Inc (ticker NBTB) notifies a proposed sale of 19,603 shares of common stock through UBS Financial Services Inc on the NASDAQ, with an aggregate market value of $850,997.52 and 52,394,805 shares outstanding. The shares offered represent approximately 0.037% of outstanding common stock. The notice lists the securities as having been acquired in multiple open-market purchases between 2006 and 2011 and indicates no sales in the past three months by the same person.

The disclosure is a routine insider sale notice: it specifies the broker, the number of shares to be sold, the acquisition history, and the approximate sale date of 08/13/2025, but contains no additional financial performance or forward-looking information.

NBT Bancorp reported a quarter with clear growth in balance sheet scale but lower reported earnings. Total assets rose to $16.01 billion, driven by loans of $11.62 billion (up from $9.97 billion year-end) and deposits of $13.52 billion (up from $11.55 billion). Net interest income expanded to $124.2 million for the quarter versus $97.2 million a year earlier, reflecting stronger loan yields and portfolio expansion.

Reported net income was $22.5 million for the three months (basic EPS $0.45), down from $32.7 million a year earlier, and $59.3 million for the six months (basic EPS $1.21) versus $66.5 million. Key drivers of the lower earnings were a higher provision for loan losses of $17.8 million this quarter, increased noninterest expense including $17.2 million of acquisition-related integration costs, and acquisition accounting from the May 2, 2025 Evans Bancorp transaction for $221.8 million in stock that generated $91.4 million of goodwill. The allowance for credit losses increased to $140.2 million (1.21% of loans). Unrealized losses in investment portfolios remain sizable but are reported as AOCI and not recognized as credit losses.

SEC Form 4 recap for NBT Bancorp Inc. (NBTB)

Director John H. Watt Jr. reported 17 same-day transactions on 08/01/2025, all coded “F” (Instr. 8). At a fixed price of $40.56 per share, he disposed of 42,067 common shares. His direct holdings fell from 114,898 shares after the first transaction to 73,960 shares after the final entry. No derivative securities, indirect ownership, or additional transaction types were disclosed.

The filing is limited to these routine share disposals; no information on company operations, earnings, or forward-looking statements is included.