NBT BANCORP INC 8-K

What Happened

• NBT Bancorp Inc. announced its results of operations for the quarter ended December 31, 2025 via a press release (furnished as Exhibit 99.1) and scheduled a conference call for 10:00 a.m. ET on Tuesday, January 27, 2026 to review fourth-quarter results. The webcast and presentation slides will be available on the company’s Event Calendar at www.nbtbancorp.com.
• The company also disclosed that Amy C. Wiles, Executive Vice President, Chief Credit Officer and Chief Risk Officer, notified NBT on January 26, 2026 that she will step down from that executive position effective May 21, 2026 and transition to a non-executive advisory role as an employee until her planned retirement in January 2027. The filing states her transition was not due to any disagreement with the company. Ms. Wiles joined NBT in 2015 and has been on the Executive Management Team since 2017.

Key Details

• Press release covering Q4 2025 results is Exhibit 99.1 to the 8-K (filed Jan 26, 2026).
• Earnings review conference call: January 27, 2026 at 10:00 a.m. Eastern Time; webcast and slides on www.nbtbancorp.com.
• Executive change: Amy C. Wiles will step down as Chief Credit Officer effective May 21, 2026, serve in an advisory employee role through January 2027, and retire thereafter.
• Company confirms the transition is voluntary and not due to any disagreement.

Why It Matters

• The 8-K signals both the release of NBT’s quarterly financial results (important for assessing recent performance) and a forthcoming leadership change in credit and risk oversight, which investors monitor closely because those functions affect loan quality and risk management.
• The structured transition (advisory role through January 2027) and the company’s statement that there was no disagreement reduce immediate uncertainty about continuity in the credit/risk function, but investors should listen to the earnings call and review the press release for financial details and any commentary on credit outlook or succession plans.