NBTB — what changed in the latest 10-Q
A section-by-section comparison of NBTB's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-05-08 vs the prior 10-Q · 2025-11-07
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +27 | −41 | ~27 | 38 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-05-08
Net income for the three months ended March 31, 2026 was $51.1 million, down $4.4 million from the fourth quarter of 2025 and up $14.4 million from the first quarter of 2025. Diluted earnings per share was $0.98 for the three months ended March 31, 2026, down $0.08 from the fourth quarter of 2025 an…
Operating net income(1), a non-GAAP measure, was $50.8 million, or $0.97 per diluted common share, for the three months ended March 31, 2026, compared to $1.05 per diluted common share for the fourth quarter of 2025 and $0.80 per diluted common share for the first quarter of 2025.
Net interest income for the three months ended March 31, 2026 was $134.3 million, down $1.1 million, or 0.8%, from the fourth quarter of 2025 and up $27.1 million, or 25.3%, from the first quarter of 2025.
FTE NIM was 3.72% for the three months ended March 31, 2026, an increase of 7 bps from the previous quarter and an increase of 28 bps from the first quarter of 2025.
The Company recorded a provision for loan losses of $5.6 million for the three months ended March 31, 2026, compared to $3.8 million in the fourth quarter of 2025 and $7.6 million in the first quarter of 2025.
Text removed vs the prior filing · source: 10-Q · 2025-11-07
On May 2, 2025, the Company completed its acquisition of Evans, through the merger of Evans with and into the Company, with the Company surviving the merger. Total consideration for the acquisition was $221.8 million in stock. Evans, with assets of $2.19 billion at December 31, 2024, was headquarter…
The Company incurred acquisition expenses related to the merger of $1.1 million and $19.5 million for the three and nine months ended September 30, 2025, respectively.
Net income for the three months ended September 30, 2025 was $54.5 million, up $32.0 million from the second quarter of 2025 and up $16.4 million from the third quarter of 2024. Diluted earnings per share were $1.03 for the three months ended September 30, 2025, up $0.59 from the second quarter of 2…
Operating net income(1), a non-GAAP measure, was $55.3 million, or $1.05 per diluted common share, for the three months ended September 30, 2025, compared to $0.88 per diluted common share for the second quarter of 2025 and $0.80 per diluted common share for the third quarter of 2024. Operating net …
The acquisition of Evans through the merger of Evans with and into the Company was completed on May 2, 2025.
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice