Quarterly Financial Statements (Unaudited) - Filing contains consolidated balance sheets, statements of income, comprehensive income statements, and statements of changes in stockholders' equity for the six-month period ended June 30, 2026 Company Classification - NBT Bancorp Inc is a national commercial bank incorporated in Delaware, headquartered in Norwich, New York, with common stock (ticker:…

Our analysis rates this filing NEUTRAL. NBT Bancorp presents a balanced, stable profile typical of a well-managed regional bank. The three identified risks (interest rate compression, CRE exposure, deposit competition) are standard industry challenges rather than company-specific threats, with…

Concern level: ELEVATED (4.8/10). Key factors: Three new moderate-to-elevated severity risks identified (avg severity 5.3/10): interest rate risk with NIM compression potential, CRE portfolio concentration, and deposit competition pressures; Interest rate risk (severity 6) poses material earnings pressure if rates decline, though manageable through ALM strategies; Commercial real estate exposure…

Notable risk changes: No material negative events disclosed in Q2 2026 10-Q filing; Company maintains large accelerated filer status with no control deficiencies noted; No litigation, regulatory actions, cybersecurity incidents, or financial restatements disclosed.

The model predicts NBTB will outperform the S&P 500 by about 0.0% over 30 days (model confidence 50%). This is model analysis for research, not investment advice.