NBT Bancorp Inc. NBTB

What this company does

The company's business, primarily conducted through NBT Bank, National Association, consists of providing commercial banking, retail banking and wealth management services primarily to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine and central and northwestern Connecticut. As of December 31, 2025, the company had assets of $16.00 billion and stockholders' equity of $1.90 billion on a consolidated basis. The company has identified two reportable segments: Banking and Retirement Plan Administration. The Bank, a full-service commercial bank formed in 1856, provides a broad range of financial products to individuals, corporations and municipalities through its network of branch locations throughout upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine and central and northwestern Connecticut. Through NBT Financial, the company operates EPIC Advisors, Inc., a national benefits administration firm acquired by the company on January 21, 2005 and headquartered in Rochester, New York. Through NBT Holdings, the company operates NBT Insurance Agency, LLC, a full-service regional insurance agency acquired by the company on September 1, 2008, offering personal property and casualty, business liability and commercial insurance products. At December 31, 2025, the company had 2,303 full-time equivalent employees. NBT Bancorp Inc. is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York.

Written from the business description in NBT BANCORP INC's annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.