NBT Bancorp Inc. (NASDAQ: NBTB) is a financial holding company incorporated in Delaware in 1986, headquartered in Norwich, New York, that operates through its principal subsidiary NBT Bank, National Association to provide commercial banking and financial services. It earns revenue primarily through net interest income on loans and deposits, supplemented by noninterest income from fee-based financial services. The company operates across the northeastern United States, with subsidiaries including NBT Financial Services, Inc. and NBT Holdings, Inc., alongside trust entities such as CNBF Capital Trust I, NBT Statutory Trust I, and NBT Statutory Trust II. Prior acquisitions include Salisbury Bancorp, Inc. and Evans Bank, National Association, reflecting a regional consolidation strategy. The holding company structure gives NBT Bancorp access to both bank and nonbank revenue streams under one regulated entity. As of the 10-K filed February 27, 2026 covering the fiscal year ended December 31, 2025, NBTB is listed on The NASDAQ Stock Market LLC.

Revenue model

Net interest income from loans and deposits is the primary revenue driver, supplemented by noninterest income from fee-based financial services provided through NBT Financial Services, Inc. and affiliated trust and holding subsidiaries.

Products and services

Commercial banking products and services through NBT Bank, National Association; financial services through NBT Financial Services, Inc.; trust and capital financing through CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, and Alliance Financial entities (as referenced in the filing).

Customers and end markets

Retail and commercial banking customers in the northeastern United States. End markets include consumer lending, commercial lending, deposit-taking, and fee-based financial services. The filing references money market deposit accounts (MMDA) and standard commercial banking products.

Value-chain role

Regional bank holding company acting as a deposit-funded lender and fee-based financial services provider in the northeastern U.S.

Geographic exposure

Northeastern United States, with principal headquarters in Norwich, New York (as of 10-K filed February 27, 2026).

Source: SEC 10-K, filed 2026-02-27

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