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NBT Bancorp Inc.
52 SOUTH BROAD STREET
Phone: (607) 337-2265p:607 337-2265 NORWICH, NY  13815  United States Ticker: NBTBNBTB
Business Summary
NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services companies. The Bank provides a range of financial products to individuals, corporations and municipalities throughout upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine and central and northwestern Connecticut. Through its network of branch locations, the Bank offers a range of products and services tailored to individuals, businesses and municipalities. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal (NOW) accounts, and certificate of deposit (CD) accounts. It operates EPIC Advisors, Inc., which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service insurance agency. The Bank has approximately 153 branch locations.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
12/31/202312/31/2023YesYes-Yes-

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6411 Insurance agents, brokers, and service
6282 Investment advice
8721 Accounting, auditing, and bookkeeping services

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board Martin A.Dietrich 67 1/1/2020 1/1/1998
Non-Executive Vice Chairman of the Board John H.Watt 64 5/21/2024 5/3/2016
President, Chief Executive Officer Scott A.Kingsley 59 5/21/2024 7/6/2021
6 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
Salisbury Bancorp Inc 5 Bissell Street LAKEVILLE CT United States
Salisbury Bank and Trust Company 5 Bissell Street Lakeville CT United States
ALLIANCE BANK NA 120 Madison St Syracuse New York United States
5 additional Subsidiary records available in full report.

Business Names
Business Name
Alliance Financial Capital
Alliance Financial Corporation
Associates, Inc.
30 additional Business Names available in full report.

General Information
Number of Employees: 2,034 (As of 12/31/2023)
Outstanding Shares: 47,155,015 (As of 3/22/2024)
Shareholders: 5,634
Stock Exchange: NASD
Federal Tax Id: 161268674
Fax Number: (302) 636-5454
Email Address: dforsythe@nbtbank.com


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