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NBT Bancorp Inc. (the "Company") is a registered financial holding company incorporated in the State of Delaware in 1986. The Company's principal headquarters are located in Norwich, New York. The Company is the parent holding company of NBT Bank, N.A. and NBT Financial Services, Inc. Through these subsidiaries, the Company operates as one segment focused on community banking operations. The Company's primary business consists of providing commercial banking and financial services to its customers in its market area.

NBT Bank, N.A. is a full-service commercial bank formed in 1856. The bank provides a broad range of financial products to individuals, corporations and municipalities through a network of more than 155 banking locations in five states including upstate New York, northeastern Pennsylvania, northwestern Vermont, western Massachusetts and southern New Hampshire.

NBT Financial Services, Inc. was formed in 1999 and is the parent company. Epic Advisors, Inc. is a full-service 401(k) plan record keeping firm serving financial institutions and small and midsized companies.

For more information about our operating divisions click on their respective links below or visit them on the Internet at and


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