<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Tue Nov 03 21:30:09 UTC 2026 -->
<xs:schema elementFormDefault="qualified" xmlns:srt-types="http://fasb.org/srt-types/2026" targetNamespace="http://nbtbank.com/20261103" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://fasb.org/us-types/2026" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nbtb="http://nbtbank.com/20261103" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="nbtb-20261103_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="nbtb-20261103_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:roleType roleURI="http://nbtbank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000 - Document - DocumentAndEntityInformation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/sic/2026" schemaLocation="https://xbrl.sec.gov/sic/2026/sic-2026.xsd"/>
<!-- [WMV7][ezp0gu8aAlSXYBfXqT71jvjRev4lT9U8F3S5/ykOwrO7BBiYcAvTJMlGoJAaAkebkavx+LIE9U/Jaa8v+5t4HyifdlUzjPWy/LZEAgufpWuCzmzGH7YnQBPJVV1gUX/w5NxwIyYZzOdyjKKOuo1WMZMSlBrXRF1F2exSpej07KuEYCZJSlXqeApmgFNKufSAVBaZOsdHUOa4+ec+Sd0vi4ctUOxWr21QnYH8bswA/cFk9EciVG6flyISEK/uuuFoV6Cd7H/qKRs+QDmPDSF1me9dROp699M7CsKfNs2cUIL1GxCtWzLobPy0MvAEa2neldELKkwhVVmWKNOAli8kLp6MvgN7fBsooWSQcoZIV0Y=] CSR-->
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="nbtb_DocumentAndEntityInformationAbstract"/>
</xs:schema>
