NBT BANCORP INC

NBT Bancorp Inc. is a financial holding company incorporated in Delaware in 1986, headquartered in Norwich, New York. The company's main assets are the common stock of its subsidiaries, including NBT Bank, National Association, NBT Financial Services, Inc., NBT Holdings, Inc., and several trusts (CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I, Alliance Financial Capital Trust II, and Evans Capital Trust I). NBT Bancorp Inc. generates revenue primarily from management fees and dividends received from NBT Bank, NBT Financial, and NBT Holdings. As of December 31, 2025, the company had consolidated assets of $16.00 billion and stockholders' equity of $1.90 billion. The company's business, mainly through NBT Bank, provides commercial banking, retail banking, and wealth management services. These services are offered primarily to customers in its market area, which covers upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company operates as a community bank, offering diverse financial services to retail, commercial, and municipal customers with local decision-making. Its financial performance relies on net interest income, which is the difference between interest and dividend income from earning assets (like loans and securities) and interest expense on interest-bearing liabilities (like deposits and borrowings).