NBT BANCORP INC
NBT Bancorp Inc. (NASDAQ: NBTB) operates as a registered financial holding company providing comprehensive banking and financial services primarily throughout upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut.… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What NBT BANCORP INC does
In the company’s own words
NBT Bancorp Inc. (NASDAQ: NBTB) operates as a registered financial holding company providing comprehensive banking and financial services primarily throughout upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company maintains its website at www.nbtbank.com.
The company's principal business is conducted through NBT Bank, National Association, a full-service commercial bank established in 1856 that serves retail, commercial, and municipal customers across forty-seven counties in seven states. As of December 31, 2025, NBT Bancorp had total consolidated assets of $16.00 billion and stockholders' equity of $1.90 billion, with 2,303 full-time equivalent employees operating through an extensive branch network.
NBT Bancorp operates two reportable segments: Banking and Retirement Plan Administration. The Banking segment represents the core business, offering deposit products including demand deposits, savings accounts, interest-bearing checking accounts, money market deposit accounts, and certificates of deposit. Loan products encompass indirect and direct consumer loans, home equity loans, mortgages, business banking loans, and commercial loans. The company also provides trust and investment services, financial planning, and life insurance services through its branch network and digital channels including online, mobile, and telephone banking.
The Retirement Plan Administration segment operates through EPIC Advisors, Inc., a national benefits administration firm acquired in 2005 and headquartered in Rochester, New York. Additionally, the company operates NBT Insurance Agency, LLC, a full-service regional insurance agency acquired in 2008 that offers personal property and casualty, business liability, and commercial insurance products.
In May 2025, NBT Bancorp completed the acquisition of Evans Bancorp, Inc., which operated eighteen banking locations in Western New York and had assets of $2.19 billion. This acquisition enhanced the company's presence in the Buffalo and Rochester communities and resulted in the issuance of 5.1 million shares of common stock.
The company emphasizes community-oriented banking with local decision-making, competitive advantages rooted in local market knowledge and specialized services such as agricultural lending. NBT Bancorp maintains a strong commitment to community engagement, contributing over $3 million to philanthropic causes in 2025 and supporting employee volunteer efforts totaling 12,500 hours.
Company details
- Sector
- Financials
- Industry
- Commercial Banks
- Headquarters
- NORWICH, NY
- Fiscal year end
- December
- CIK
- 790359
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns NBT BANCORP INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · NBT BANCORP INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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