NBT Bancorp Reports Second Quarter 2026 Financial Results and Schedules Investor Call

Quarterly Financial Results Disclosure and Timing

NBT Bancorp Inc., headquartered in Norwich, New York, disclosed its operating results for the second quarter of 2026 through an announcement filed with the Securities and Exchange Commission on July 27, 2026. The disclosure was made pursuant to Item 2.02 of the current report filing, which covers results of operations and financial condition. The company issued a formal press release on the same date as the regulatory filing, furnishing the announcement as an exhibit to the regulatory document. This filing follows the company's standard quarterly reporting practices and provides shareholders and market participants with transparent disclosure of the bank's financial performance during the six-month period ending June 30, 2026.

The timing of the disclosure and the subsequent investor presentation reflects standard market practice for publicly traded financial institutions. The company filed its report on the same day as the earnings announcement, ensuring contemporaneous disclosure to all market participants. This coordinated approach maintains the principle of fair disclosure and allows investors, analysts, and other stakeholders to access comprehensive financial information simultaneously through multiple channels.

Conference Call Scheduled for Earnings Discussion

NBT Bancorp announced that a conference call will be held at 10:00 a.m. Eastern Time on Tuesday, July 28, 2026, to review the second quarter 2026 financial results. The timing places the call on the business day immediately following the announcement, allowing management adequate time to address investor questions about the company's quarterly performance. The call represents a standard component of quarterly earnings disclosure practices, offering an opportunity for institutional investors, individual shareholders, and financial analysts to engage directly with company leadership regarding financial results and operational matters.

The company specified that the audio webcast link, along with the corresponding presentation slides, will be available on the Event Calendar page of NBT Bancorp's website at www.nbtbancorp.com. This multi-format approach to disseminating information—combining live audio, archived recordings, and written presentation materials—enables broad accessibility for investors with varying preferences and time zone considerations. The provision of presentation slides alongside the audio webcast allows investors to follow management's prepared remarks and review supporting financial data in real time.

Investor Access to Webcast Materials and Archives

The disclosure filing specifies that both the audio webcast link and presentation slides will be posted on the company's Event Calendar page, consolidating earnings-related materials in a single, designated location on the investor relations website. This centralized approach simplifies investor navigation and ensures that all necessary documents for understanding the quarterly results are readily available in a standardized format. Companies typically maintain archived recordings and materials on their investor relations websites for an extended period, allowing those unable to participate in the live call to review the presentation and discussion at a later time.

By providing these materials online rather than restricting access to real-time participants, NBT Bancorp ensures equitable information distribution across its shareholder base. The company did not disclose the specific duration for which archived materials will remain available, nor did it specify the technical specifications for accessing the webcast. Investors interested in attending or reviewing the call should visit the company's website at the designated Event Calendar page for current information regarding access details and any special registration requirements.

Corporate Structure and Regulatory Status

NBT Bancorp Inc. is incorporated in Delaware and maintains its principal executive offices 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 ticker symbol NBTB. The company is not designated as an emerging growth company under the regulatory definitions established by the Securities and Exchange Commission, meaning it is subject to full reporting requirements that apply to mature public companies.

As a regional bank holding company, NBT Bancorp operates within a highly regulated industry overseen by federal banking authorities, the SEC, and various state regulators. The company's securities are registered pursuant to Section 12(b) of the Securities Exchange Act of 1934, requiring compliance with comprehensive disclosure obligations. The filing was authorized and signed on July 27, 2026, by Annette L. Burns, Executive Vice President and Chief Financial Officer, certifying the accuracy and timeliness of the disclosure to regulatory authorities.

Earnings Announcement Components and Exhibit Status

The filing indicates that the press release describing the company's second quarter 2026 results was furnished as Exhibit 99.1 to the regulatory filing. This exhibits-based disclosure approach allows the company to provide comprehensive narrative discussion of financial performance and operational highlights without embedding all details directly in the regulatory form itself. The press release, as an exhibit, becomes part of the official regulatory filing and is publicly accessible through the SEC's EDGAR database, alongside the formal current report document.

In addition to the narrative press release, the filing notes that a Cover Page Interactive Data File was included as Exhibit 104, embedded within the Inline XBRL document. This structured data format facilitates automated processing and analysis of financial information by market participants, regulators, and research platforms. The provision of data in both human-readable press release format and machine-readable XBRL format reflects modern SEC disclosure practices designed to enhance transparency and analytical accessibility for diverse stakeholder needs.

Second Quarter 2026 Reporting Period and Disclosure Timeline

The disclosure covers NBT Bancorp's financial condition and results of operations for the quarter ended June 30, 2026, representing the company's second quarter fiscal year performance. The announcement was made on July 27, 2026, which is consistent with typical quarterly earnings reporting timelines for publicly traded bank holding companies. Most financial institutions release second quarter results within three to four weeks of quarter-end, allowing time for financial statement preparation, audit procedures, and management review prior to public disclosure.

The disclosure date of July 27, 2026, establishes the official reporting timeline for investors seeking to understand the company's mid-year financial performance. This timing ensures that the company's second quarter results become part of the public record well in advance of mid-year investor conferences and the subsequent third quarter reporting cycle. The coordinated release of the press release and the regulatory filing on the same date maintains consistency with fair disclosure obligations and prevents selective information distribution to market participants.

Management Certifications and Filing Authority

The filing was executed by Annette L. Burns, who holds the position of Executive Vice President and Chief Financial Officer at NBT Bancorp Inc. As CFO, Burns bears responsibility for the financial integrity and accuracy of the company's disclosures to the SEC and public investors. Her signature on the filing, dated July 27, 2026, certifies that the company has complied with applicable Securities Exchange Act requirements and that the information presented is accurate and complete according to the company's records and knowledge.

The certification process reflects corporate governance standards that require senior financial officers to personally attest to the accuracy of regulatory filings. This practice creates accountability within management for the truthfulness and completeness of disclosed financial information. The specific date of signature establishes the official timing of the filing submission and confirms that the disclosure was authorized through proper corporate channels before its public availability through the SEC's EDGAR system.

Regulatory Compliance and Filing Requirements

NBT Bancorp's disclosure was filed pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934, the primary statutory framework governing public company reporting obligations. The company filed its report as a current report on Form 8-K, the specific form designated for reporting material events occurring between quarterly and annual report filings. The filing indicates that the company did not apply any of the optional disclosure provisions available under Rules 425, 14a-12, 14d-2(b), or 13e-4(c), each of which addresses specific transaction or communication circumstances that do not appear to apply to this earnings announcement.

The filing structure demonstrates NBT Bancorp's standard compliance approach for quarterly earnings disclosure. The company did not indicate any special circumstances or extraordinary events requiring additional regulatory notifications or alternative filing formats. The straightforward nature of the current report—reporting financial results without concurrent material acquisitions, executive changes, or other significant events—reflects the routine operational disclosure practices of an established regional bank holding company.

Website Access and Investor Communication Channels

Investors seeking to access NBT Bancorp's second quarter earnings materials should visit the company's website at www.nbtbancorp.com and navigate to the Event Calendar page, where the webcast link and presentation slides will be posted. The company did not specify alternative access methods or provide backup contact information for technical support in the filing, though standard practice typically includes such resources on corporate investor relations websites. The Event Calendar format suggests that the company maintains a chronological listing of investor events, allowing shareholders to track upcoming calls, conference presentations, and other engagement opportunities.

The company's website serves as the primary distribution channel for earnings materials, webcast access, and investor relations information. By consolidating these resources on a dedicated Event Calendar page, NBT Bancorp provides a structured approach to investor communication that meets SEC requirements for fair and timely information dissemination. Investors should ensure they have the correct website address and verify any login requirements or technical specifications prior to the scheduled conference call time on July 28, 2026.