NBT Bancorp Announces Q2 2026 Earnings Results and Investor Conference Call

Q2 2026 Financial Results Disclosure and Timing

Headquartered in Norwich, New York, NBT Bancorp Inc. filed its second quarter 2026 operating results with the Securities and Exchange Commission (SEC) on July 27, 2026, under Item 2.02 of the current report. The company simultaneously issued a press release, attached as an exhibit to the filing, detailing its financial condition and operational performance for the six months ending June 30, 2026. This disclosure follows the company’s established quarterly reporting protocol, providing shareholders and market participants with transparent insight into its mid-year financial outcomes.

The coordinated timing of the earnings release and SEC filing ensures simultaneous access to information for investors, analysts, and other stakeholders, adhering to fair disclosure principles. By releasing the report and press statement on the same day, NBT Bancorp maintains equitable dissemination of comprehensive financial data across multiple platforms.

Scheduled Conference Call to Review Earnings

NBT Bancorp will host a conference call at 10:00 a.m. Eastern Time on Tuesday, July 28, 2026, to discuss the second quarter financial results. This timing allows management to address investor inquiries promptly following the earnings announcement. The call is a standard element of quarterly earnings communication, providing a forum for institutional investors, individual shareholders, and analysts to engage directly with company leadership regarding financial and operational performance.

Investors can access the audio webcast and accompanying presentation slides via the Event Calendar page on NBT Bancorp’s website at www.nbtbancorp.com. Offering multiple formats—including live audio, archived recordings, and presentation materials—ensures broad accessibility for stakeholders across different time zones and preferences. Presentation slides enable participants to follow management’s commentary alongside supporting financial data.

Access to Webcast Materials and Archives

Both the audio webcast link and presentation slides will be posted on the company’s Event Calendar page, centralizing all earnings-related resources in one location on the investor relations site. This approach simplifies navigation and guarantees that all relevant documents for understanding the quarterly results are readily available in a consistent format. Archived recordings and materials typically remain accessible for an extended period, allowing investors unable to join live to review the content later.

NBT Bancorp’s online availability of these materials promotes equitable information distribution among its shareholder base. The company has not specified how long archived content will remain accessible or detailed technical requirements for webcast access. Interested investors should consult the Event Calendar page on the company’s website for up-to-date access instructions and any registration details.

Corporate Profile and Regulatory Information

NBT Bancorp Inc., incorporated in Delaware, maintains its principal executive office at 52 South Broad Street, Norwich, New York 13815. The company’s SEC Commission File Number is 000-14703, and its IRS Employer Identification Number is 16-1268674. Its common stock, with a par value of $0.01 per share, trades on The NASDAQ Stock Market LLC under the symbol NBTB. NBT Bancorp is not classified as an emerging growth company under SEC definitions and is subject to full reporting requirements applicable to mature public companies.

Operating as a regional bank holding company, NBT Bancorp complies with regulations from federal banking authorities, the SEC, and state regulators. Its securities registration under Section 12(b) of the Securities Exchange Act of 1934 mandates comprehensive disclosure obligations. The July 27, 2026 filing was authorized and signed by Annette L. Burns, Executive Vice President and Chief Financial Officer, certifying the accuracy and timeliness of the disclosure.

Earnings Announcement Details and Exhibit Filings

The press release detailing NBT Bancorp’s second quarter 2026 results was submitted as Exhibit 99.1 to the regulatory filing, enabling detailed narrative disclosure without embedding all information directly in the form. This exhibit is publicly accessible through the SEC’s EDGAR database alongside the current report.

Additionally, a Cover Page Interactive Data File was included as Exhibit 104 within the Inline XBRL document. This structured data format facilitates automated analysis and processing by market participants and regulators. Providing both human-readable press release content and machine-readable XBRL data exemplifies modern SEC disclosure practices aimed at enhancing transparency and accessibility.

Reporting Period and Disclosure Schedule

The filing covers NBT Bancorp’s financial condition and operational results for the quarter ended June 30, 2026. The July 27, 2026 announcement aligns with typical quarterly reporting timelines for publicly traded bank holding companies, which generally release second quarter results within three to four weeks after quarter-end. This schedule allows time for financial statement preparation, auditing, and management review before public release.

The July 27 disclosure date establishes the official timeline for investors to evaluate the company’s mid-year performance, ensuring results are publicly available well before mid-year investor conferences and the third quarter reporting period. Coordinated simultaneous release of the press release and SEC filing supports fair disclosure and prevents selective information dissemination.

Management Certification and Filing Authorization

Annette L. Burns, Executive Vice President and Chief Financial Officer, executed the filing on July 27, 2026. As CFO, she is responsible for the accuracy and integrity of the company’s SEC disclosures. Her signature certifies compliance with Securities Exchange Act requirements and confirms that the information is complete and accurate based on company records.

This certification process reflects corporate governance standards requiring senior financial officers to personally attest to regulatory filing accuracy, ensuring accountability for truthful and comprehensive financial reporting. The signature date marks the official submission timing and confirms proper authorization prior to public availability via the SEC’s EDGAR system.

Regulatory Compliance and Filing Framework

NBT Bancorp’s disclosure was submitted under Sections 13 or 15(d) of the Securities Exchange Act of 1934 as a current report on Form 8-K, the designated form for reporting material events between quarterly and annual filings. The company did not utilize optional disclosure provisions under Rules 425, 14a-12, 14d-2(b), or 13e-4(c), indicating no special transactions or communications applicable to this earnings announcement.

This filing approach demonstrates NBT Bancorp’s standard compliance for quarterly earnings disclosures. No extraordinary events, such as material acquisitions or executive changes, were reported, reflecting routine operational reporting practices of an established regional bank holding company.

Investor Access and Communication Channels

Investors can access NBT Bancorp’s second quarter earnings materials by visiting www.nbtbancorp.com and navigating to the Event Calendar page, where the webcast link and presentation slides will be posted. Although the filing does not specify alternative access methods or technical support contacts, such resources are typically available on corporate investor relations websites. The Event Calendar provides a chronological listing of upcoming investor events, facilitating shareholder engagement with earnings calls, conferences, and presentations.

By centralizing earnings materials and webcast access on its website, NBT Bancorp ensures structured, timely, and SEC-compliant communication with investors. Shareholders should verify the website address and any login or technical requirements ahead of the July 28, 2026 conference call.