NBT Bancorp (NBTB) posts Q3 2025 results release; call Oct 28

NBT Bancorp Inc. furnished a press release describing its results of operations for the quarter ended September 30, 2025, via an 8-K. The press release is included as Exhibit 99.1.

Rhea-AI Filing Summary

NBT Bancorp Inc. furnished a press release describing its results of operations for the quarter ended September 30, 2025, via an 8-K. The press release is included as Exhibit 99.1.

The company will host a conference call at 10:00 a.m. Eastern Time on Tuesday, October 28, 2025 to review third-quarter 2025 results. An audio webcast link and presentation slides will be available on the Event Calendar page of the company’s website at www.nbtbancorp.com.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did NBTB announce in its 8-K?

NBT Bancorp furnished a press release describing results of operations for the quarter ended September 30, 2025, included as Exhibit 99.1.

When is NBTB’s Q3 2025 conference call?

The call will be held at 10:00 a.m. Eastern Time on Tuesday, October 28, 2025.

Where can I access NBTB’s webcast and slides?

The audio webcast link and presentation slides will be available on the Event Calendar page at www.nbtbancorp.com.

What period do the furnished results cover for NBTB?

They cover the quarter ended September 30, 2025.

Which exhibit contains NBTB’s press release?

The press release is furnished as Exhibit 99.1.

What exchange does NBTB trade on and under what symbol?

NBT Bancorp’s common stock trades on The NASDAQ Stock Market LLC under the symbol NBTB.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 10/27/2025 - 04:30 PM EDT Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 27, 2025

NBT BANCORP INC.

(Exact name of registrant as specified in its charter)

Delaware	000-14703	16-1268674
(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(I.R.S. Employer Identification No.)

52 South Broad Street, Norwich, New York 13815

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (607) 337-2265

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class	Trading Symbol	Name of exchange on which registered
Common Stock, par value $0.01 per share	NBTB	The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On October 27, 2025, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter ended September 30, 2025. That press release is furnished as Exhibit 99.1 hereto. A conference call will be held at 10:00 a.m. Eastern Time on Tuesday, October 28, 2025, to review the third quarter 2025 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Event Calendar page of the Company’s website at www.nbtbancorp.com.

Item 9.01 Financial Statements and Exhibits.

(a) Not applicable.

(b) Not applicable.

(c) Not applicable.

(d) Exhibits.

Exhibit No.		Description
99.1		Press release of NBT Bancorp Inc. October 27, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	NBT BANCORP INC.
Date: October 27, 2025	By:	/s/ Annette L. Burns
		Annette L. Burns
		Executive Vice President and Chief Financial Officer