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NBTB on Nasdaq

NBT Bank

Logo: Unknown author Unknown author, Public domain, via Wikimedia Commons4

American financial institution

NBT Bank, N.A. is an American financial institution that operates through a network of 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, New York, United States. NBT Bancorp is traded on the Nasdaq Global Select Market under the symbol NBTB.3 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1856Founded1

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  • TickerNBTB on Nasdaq1
  • Industryfinance1
  • HeadquartersNorwich1
  • Websitewww.nbtbank.com
  • Incorporated inDE5
  • Business address52 S Broad St, Norwich, Ny 138155
  • Filer categoryLarge accelerated filer5

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NBT Bank, N.A. is an American financial institution that operates through a network of 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, New York, United States. NBT Bancorp is traded on the Nasdaq Global Select Market under the symbol NBTB.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

92.5%Net margin8
10.4%Revenue growth, 20258
8.9%Return on equity8

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Administrative Service brought in 34% of the revenue NBT Bank broke down this way in fiscal 2025.

  1. Administrative Service$61.6M834%up 9% from 2024
  2. Asset Management$44.8M824%up 7% from 2024
  3. ATM and Debit Card Fees$24.0M813%up 7% from 2024
  4. Deposit Account$19.1M810%up 12% from 2024
  5. Insurance Revenue$18.0M810%up 6% from 2024
  6. Financial Service, Other$15.5M88%up 41% from 2024
Products and services by year
Products and services202320242025
Administrative Service$47.2M$56.6M$61.6M
Asset Management$34.8M$41.6M$44.8M
ATM and Debit Card Fees$20.8M$22.3M$24.0M
Deposit Account$15.4M$17.1M$19.1M
Insurance Revenue$15.7M$17.0M$18.0M
Financial Service, Other$10.8M$11.0M$15.5M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax23¢$50.2M
  • Profit77¢$169.2M

Out of $183.0M in revenue.8

Where each dollar of operating cash went, fiscal 2025

  • Dividends paid31¢$72.6M
  • Share buybacks4¢$10.2M
  • Kept or used elsewhere65¢$152.4M

Out of $235.2M of cash from operations.8

Financial statements

Revenue91011128$183.0M in 2025+36% since 2019
0$50.0M$100.0M$150.0M$200.0M2019: $134.5M$134.5M20192020: $140.9M$140.9M2020+5%2021: $151.0M$151.0M2021+7%2022: $150.7M$150.7M2022−0%2023: $144.7M$144.7M2023−4%2024: $165.7M$165.7M2024+14%2025: $183.0M$183.0M2025+10%
Net income91011128$169.2M in 2025+40% since 2019
0$50.0M$100.0M$150.0M$200.0M2019: $121.0M$121.0M20192020: $104.4M$104.4M2020−14%2021: $154.9M$154.9M2021+48%2022: $152.0M$152.0M2022−2%2023: $118.8M$118.8M2023−22%2024: $140.6M$140.6M2024+18%2025: $169.2M$169.2M2025+20%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$632.3M$552.8M$462.7M
Securities available for sale$47.0M$31.3M$29.8M
Securities held to maturity$18.8M$20.5M$20.7M
Other$12.9M$7.1M$9.6M
Total interest, fee and dividend income$711.0M$611.7M$522.8M
Deposits$192.3M$186.9M$104.6M
Short-term borrowings$3.6M$8.7M$25.6M
Long-term debt$1.5M$1.2M$925.0K
Subordinated debt$4.9M$7.2M$6.1M
Junior subordinated debt$7.1M$7.5M$7.3M
Total interest expense$209.4M$211.5M$144.6M
Net interest income$501.5M$400.1M$378.2M
Provision for loan losses$32.3M$19.6M$25.3M
Net interest income after provision for loan losses$469.3M$380.5M$352.9M
Service charges on deposit accounts$19.1M$17.1M$15.4M
Card services income$24.0M$22.3M$20.8M
Retirement plan administration fees$61.6M$56.6M$47.2M
Wealth management$44.8M$41.6M$34.8M
Insurance services$18.0M$17.0M$15.7M
Bank owned life insurance income$12.4M$8.3M$6.8M
Net securities gains (losses)$148.0K$2.8M-$9.3M
Other$15.5M$11.0M$10.8M
Total noninterest income$195.5M$176.8M$142.2M
Salaries and employee benefits$257.5M$232.5M$194.2M
Technology and data services$44.0M$39.1M$38.2M
Occupancy$36.4M$31.3M$28.4M
Professional fees and outside services$21.7M$19.1M$17.6M
Office supplies and postage$8.1M$7.5M$6.9M
FDIC assessment$7.9M$6.8M$6.3M
Marketing$4.0M$3.4M$3.1M
Amortization of intangible assets$11.9M$8.4M$4.7M
Loan collection and other real estate owned, net$2.6M$2.5M$2.6M
Acquisition expenses$19.5M$1.5M$10.0M
Other$31.6M$25.7M$29.7M
Total noninterest expense$445.3M$377.9M$341.7M
Income before income tax expense$219.4M$179.5M$153.5M
Income tax expense$50.2M$38.8M$34.7M
Net income$169.2M$140.6M$118.8M
Basic (in dollars per share)$3.34$2.98$2.67
Diluted (in dollars per share)$3.33$2.97$2.65

Compare NBT Bank with another company

Corporate structure

NBT Bank sits at the top of its group. 20 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of NBT Bank

  • NBT Bank Norwich
    • Alliance Financial Capital Trust I Subsidiary · Delaware, United States
    • Alliance Financial Capital Trust II Subsidiary · Delaware, United States
    • Broad Street Property Associates, Inc. Subsidiary · New York, United States
    • CNBF Capital Trust I Subsidiary · Delaware, United States
    • ENB Employers Insurance Trust Subsidiary · New York, United States
    • EPIC Advisors, Inc. Subsidiary · New York, United States
    • Evans Capital Trust I Subsidiary · Delaware, United States
    • Evans National Holding Corp. Subsidiary · New York, United States
    • FNB Financial Services, Inc. Subsidiary · Delaware, United States
    • NBT Capital Corp. Subsidiary · New York, United States
    • NBT Capital Management, Inc. Subsidiary · New York, United States
    • NBT Financial Services, Inc. Subsidiary · Delaware, United States
    • NBT Holdings, Inc. Subsidiary · New York, United States
    • NBT Insurance Agency, LLC Subsidiary · New York, United States
    • NBT Statutory Trust I Subsidiary · Delaware, United States
    • NBT Statutory Trust II Subsidiary · Delaware, United States
    • Pennstar Financial Services, Inc. Subsidiary · Pennsylvania, United States
    • S.B.T. Realty, Incorporated Subsidiary · New York, United States
    • SBT Mortgage Service Corporation Subsidiary · Connecticut, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What NBT Bank reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$280.3M8 Dec 31, 2025$253.3M8 Dec 31, 2024+10.7%
Accumulated depreciation$181.1M8 Dec 31, 2025$172.4M8 Dec 31, 2024+5.0%
Property and equipment, net$99.3M8 Dec 31, 2025$80.8M8 Dec 31, 2024+22.8%
Operating-lease assets (leased space)$30.6M8 Dec 31, 2025$27.6M8 Dec 31, 2024+10.9%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$1.9B8 Dec 31, 2025$1.6B8 Dec 31, 2024+18.3%
Deposits held (banks)$13.5B8 Dec 31, 2025$11.5B8 Dec 31, 2024+16.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$453.3M8 Dec 31, 2025$362.7M8 Dec 31, 2024+25.0%
Intangible assets, net (excluding goodwill)$57.7M8 Dec 31, 2025$36.4M8 Dec 31, 2024+58.6%
Finite-lived intangibles, gross$98.2M8 Dec 31, 2025$65.4M8 Dec 31, 2024+50.3%
Accumulated amortization$40.6M8 Dec 31, 2025$29.0M8 Dec 31, 2024+39.9%

Properties, in its own words

The Company owns its headquarters located at 52 South Broad Street, Norwich, New York 13815. In addition, as of December 31, 2025 the Company has 175 branch locations, of which 84 are leased from third parties. The Company owns all other banking premises.

The Company believes that its offices are sufficient for its present operations and that all properties are adequately covered by insurance.

Item 2 of the 10-K filed Feb 27, 2026.16

The story

Founded in 1856 by Warren Newton (former contractor for the Erie and Chenango canals), Isaac Newton (Warren's brother), and James H. Smith (NBT Bank's first President), NBT Bank was first a state-chartered bank called the Bank of Norwich. The bank's first board meeting was held on March 3, 1856 at the law office of Warren and Isaac Newton. The bank opened for business on July 15, 1856 in a storefront on South Main Street.

On June 28, 1865, the bank received a national charter (which it holds to this day) and changed its name to the National Bank of Norwich. In 1918, NBT Bank was one of the first national banks in New York State to apply for and receive trust powers under a Federal Reserve Act and established a Trust Department. In 1925, NBT Bank changed its name a second time to better reflect its expanded services. Over the years, the area served by NBT Bank expanded and in 1989 the bank changed its name for the third time to The National Bank and Trust Company without "of Norwich." In 1995, the bank changed its name for the fourth time to NBT Bank, N.A. (The "N.A." stands for "National Association" and is used primarily in formal or legal contexts.) At the same time, NBT Bank introduced its current logo featuring a blue star and red lettering.

In 2016, NBT Bank celebrated its 160th year in business and published an updated history of the bank to commemorate this milestone.

From Wikipedia’s article on NBT Bank, shared under CC BY-SA 4.0.6

Leadership

Who has led NBT Bank, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Daryl R. Forsythe2006
  2. David E. Raven2006–2013
  3. Martin A. Dietrich2006–2016
  4. John H. Watt Jr.2018–2024
  5. Scott Allen Kingsley2024–now

Chair

  1. Martin A. Dietrich2017

President

  1. David E. Raven2006–2016
  2. Martin A. Dietrich2006–2016
  3. Ronald M. Bentley2006
  4. John H. Watt Jr.2018–2024
  5. Joseph R. Stagliano2024–now
  6. Scott Allen Kingsley2024–now

Chief financial officer

  1. Michael J. Chewens2006–2019
  2. Annette L. Burns2021
  3. Scott Allen Kingsley2021–2024
197019801990200020102020
Board members and other officers (44)

Products and brands

  • financial services

Listed on Wikidata.1

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Alliance Financial Capital Trust I Delaware7
  • Alliance Financial Capital Trust II Delaware7
  • Broad Street Property Associates, Inc. New York7
  • CNBF Capital Trust I Delaware7
  • ENB Employers Insurance Trust New York7
  • EPIC Advisors, Inc. New York7
  • Evans Capital Trust I Delaware7
  • Evans National Holding Corp. New York7
  • FNB Financial Services, Inc. Delaware7
  • NBT Capital Corp. New York7
  • NBT Capital Management, Inc. New York7
  • NBT Financial Services, Inc. Delaware7
  • NBT Holdings, Inc. New York7
  • NBT Insurance Agency, LLC New York7
  • NBT Statutory Trust I Delaware7
  • NBT Statutory Trust II Delaware7
  • Pennstar Financial Services, Inc. Pennsylvania7
  • S.B.T. Realty, Incorporated New York7
  • SBT Mortgage Service Corporation Connecticut7

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Acquisitions

NBT Bank completed its first acquisitions in the 1930s. Since that time, the bank has continued to grow through bank and branch acquisitions as well as through organic expansion.

Since 2000, NBT Bank acquired the following banks: LA Bank based in Scranton, Pennsylvania in 2000; Pioneer American Bank based in Carbondale, Pennsylvania in 2000; First National Bank of Northern New York based in Norfolk, New York in 2001; Central National Bank based in Canajoharie, New York in 2001; City National Bank and Trust Company based in Gloversville, New York in 2005; Hampshire First Bank based in Manchester, New Hampshire in 2012; and Alliance Bank based in Syracuse, New York in 2013. The merger with Alliance Bank was completed on March 8, 2013 and is NBT Bank's largest to date. In December 2022, NBT announced that it will acquire the Connecticut-based Salisbury Bancorp in an equity transaction valued at $204 million. The deal for Salisbury Bancorp closed in August 2023 for $204 million and Salisbury Bank President and CEO Richard J. Cantele Jr. was named to the NBT Bank board of directors and executive management team.

NBT acquired Evans Bank of Williamsville, NY on May 2, 2025. The merger extended NBT’s branch network into the Western Region of New York with the addition of 14 banking offices in the Buffalo area and 4 locations in greater Rochester.

From Wikipedia’s article on NBT Bank, shared under CC BY-SA 4.0.6

Timeline

  1. Sep 21, 20268-K Executive or director change70
  2. Sep 8, 20268-K Regulation FD disclosure71
  3. Jul 27, 20268-K Results of operations72
  4. May 19, 20268-K Shareholder vote; Regulation FD disclosure73
  5. May 18, 20268-K Regulation FD disclosure74
  6. May 4, 20268-K Regulation FD disclosure75
  7. Apr 23, 20268-K Results of operations76
  8. Feb 10, 20268-K Regulation FD disclosure77
  9. Jan 26, 20268-K Results of operations; Executive or director change78
  10. Nov 4, 20258-K Regulation FD disclosure79
  11. Oct 27, 20258-K Results of operations80
  12. Aug 29, 20258-K Regulation FD disclosure81
  13. May 22, 2024New chief executive Scott Allen Kingsley becomes CEO17
  14. Jan 16, 2018New chief executive John H. Watt Jr. becomes CEO18
  15. Jan 24, 2006New chief executive Martin A. Dietrich becomes CEO21
  16. Jan 24, 2006New chief executive David E. Raven becomes CEO20
  17. Jan 5, 2006New chief executive Daryl R. Forsythe becomes CEO19
  18. Mar 17, 1992Went public Listed on NASDAQ1
  19. 1856Founded Founded1

Calendar

Coming up

  1. Oct 27, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $1.05 a share, on Oct 27, 2025.82

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results72
  2. Apr 23, 2026Reported quarterly or annual results76
  3. Jan 26, 2026Reported quarterly or annual results78
  4. Oct 27, 2025Reported quarterly or annual results80
  5. Jul 28, 2025Reported quarterly or annual results83
  6. Apr 24, 2025Reported quarterly or annual results84
  7. Jan 27, 2025Reported quarterly or annual results85
  8. Oct 28, 2024Reported quarterly or annual results86

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

496 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 67 major events, 333 insider forms, 11 large holders, 65 other. The latest 20:

  1. Oct 2, 20263 EDGAR
  2. Sep 21, 20268-K EDGAR
  3. Sep 8, 20268-K EDGAR
  4. Aug 7, 202610-Q EDGAR
  5. Aug 7, 2026SCHEDULE 13G EDGAR
  6. Jul 30, 20264 PRIMARY DOCUMENT EDGAR
  7. Jul 30, 20264 PRIMARY DOCUMENT EDGAR
  8. Jul 29, 2026144 EDGAR
  9. Jul 29, 2026144 EDGAR
  10. Jul 27, 20268-K EDGAR
  11. Jun 24, 202611-K EDGAR
  12. Jun 12, 2026144 EDGAR
  13. Jun 12, 2026144 EDGAR
  14. Jun 12, 20264 PRIMARY DOCUMENT EDGAR
  15. Jun 12, 20264 PRIMARY DOCUMENT EDGAR
  16. Jun 10, 20264 PRIMARY DOCUMENT EDGAR
  17. Jun 9, 2026144 EDGAR
  18. Jun 8, 20263 EDGAR
  19. Jun 8, 20263 EDGAR
  20. Jun 8, 20264 PRIMARY DOCUMENT EDGAR

The 496 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

52 open-market trades by officers, directors and large owners since October 2021: 20 buys and 32 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 29, 2026Mahoney Ruth HEVP/President of Wealth MgmtSale4,500$54.30$244.3KForm 4
Jul 29, 2026Halliday Sarah AEVP/Chief Comm Innovation OffSale9,000$54.04$486.4KForm 4
Jun 12, 2026Sparks Martin RandolphEVP,General Counsel,SecretarySale1,200$48.04$57.6KForm 4
Jun 12, 2026Hoeller Heidi MDirectorSale2,100$48.04$100.9KForm 4
Jun 9, 2026WATT JOHN H JRDirectorSale21,000$47.42$995.8KForm 4
Jun 5, 2026Mahoney Ruth HEVP/President of Wealth MgmtSale5,000$46.60$233.0KForm 4
Mar 13, 2026Sparks Martin RandolphEVP,General Counsel,SecretarySale2,400$41.30$99.1KForm 4
Feb 17, 2026Wiles AmyEVP, Chief Risk and CreditSale4,435$45.72$202.8KForm 4
Jan 28, 2026DELANEY TIMOTHY EDirectorBuy22,730$42.97$976.7KForm 4
Jan 28, 2026DELANEY TIMOTHY EDirectorBuy22,730$42.97$976.7KForm 4
Nov 6, 2025DELANEY TIMOTHY EDirectorBuy10,000$40.98$409.8KForm 4
Oct 31, 2025DELANEY TIMOTHY EDirectorBuy2,000$40.50$81.0KForm 4
Aug 13, 2025NASCA DAVID JDirectorSale19,603$43.42$851.2KForm 4
Jun 3, 2025Brown Jason DavidDirectorBuy350$41.10$14.4KForm 4
May 28, 2025WATT JOHN H JRDirectorSale7,869$42.02$330.7KForm 4
May 6, 2025Hoeller Heidi MDirectorBuy2,588$42.88$111.0KForm 4
Apr 29, 2025Hoeller Heidi MDirectorBuy2,553$43.21$110.3KForm 4
Mar 5, 2025Kingsley Scott AllenPresident & CEO NBT BancorpBuy2,000$44.90$89.8KForm 4
Feb 10, 2025Halliday Sarah AEVP/Chief Comm Innovation OffSale5,000$48.45$242.2KForm 4
Feb 7, 2025Hoeller Heidi MDirectorBuy678$48.45$32.8KForm 4

All 52 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Scott A. KingsleyPresident and Chief Executive Officer61$820.2K$3.0M92
2025Joseph R. StaglianoExecutive Vice President and President of NBT Bank, N.A.57$546.2K$1.3M92
2025Annette L. BurnsExecutive Vice President and Chief Financial Officer53$456.5K$1.0M92
2025Amy C. WilesExecutive Vice President and Chief Credit & Risk Officer67$416.1K$948.3K92
2025Ruth H. MahoneyExecutive Vice President and President of Wealth Management58$435.7K$941.1K92
2024Scott A. KingsleyPresident and Chief Executive Officer61$690.8K$2.4M92
2024Joseph R. StaglianoExecutive Vice President and President of NBT Bank, N.A.57$499.9K$1.2M92
2024Amy C. WilesExecutive Vice President and Chief Credit & Risk Officer67$401.8K$1.2M92
2024Ruth H. MahoneyExecutive Vice President and President of Wealth Management58$423.4K$1.1M92
2024Annette L. BurnsExecutive Vice President and Chief Financial Officer53$360.4K$954.8K92
2023Scott A. KingsleyPresident and Chief Executive Officer61$525.3K$864.3K92
2023Joseph R. StaglianoExecutive Vice President and President of NBT Bank, N.A.57$450.1K$740.6K92
2023Ruth H. MahoneyExecutive Vice President and President of Wealth Management58$415.0K$704.3K92

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.7,477,880$369.2M0.0%+77,790
Vanguard Portfolio Management LLC3,449,538$170.3M0.0%−25,649
State Street Corp2,731,491$134.9M0.0%+245,198
Dimensional Fund Advisors LP2,406,173$118.8M0.0%+75,198
Vanguard Capital Management LLC2,254,925$111.3M0.0%+1,810
Fmr LLC1,737,937$85.8M0.0%+1,607,445
Geode Capital Management, LLC1,393,256$68.8M0.0%+63,468
Northern Trust Corp719,022$35.5M0.0%+35,541
Silvercrest Asset Management Group LLC647,745$32.0M0.2%−45,037
Victory Capital Management Inc629,351$31.1M0.0%−40,501
Charles Schwab Investment Management Inc611,644$30.2M0.0%−3,943
Fuller & Thaler Asset Management, Inc.578,914$28.6M0.1%+175,417
Manufacturers Life Insurance Company, The559,697$27.6M0.0%−562
American Century Companies Inc519,883$25.7M0.0%+337,467
Bank of New York Mellon Corp459,484$22.7M0.0%+6,567
Raymond James Financial Inc441,781$21.8M0.0%+4,021
Morgan Stanley410,346$20.3M0.0%−33,252
Nuveen, LLC385,862$19.0M0.0%+13,802
Vanguard Fiduciary Trust Co343,908$17.0M0.0%+6,682
Ceredex Value Advisors LLC276,950$13.7M0.4%+8,700
Nbt Bank, N.A.261,448$12.9M0.9%+978
Principal Financial Group Inc251,361$12.4M0.0%−2,981
Two Sigma Investments, LP240,822$11.9M0.0%+85,026
Citadel Advisors LLC219,085$10.8M0.0%−28,863
UBS Group AG215,142$10.6M0.0%+28,923

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How NBT Bank is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARNBT BANCORP INC2
  • CIK0000790359
  • Employer ID (EIN)16-126867416
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company16
  • Incorporated inDelaware16
  • Fiscal year endsDecember 312
  • Industry code (SIC)6021 National Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address52 S Broad St, Norwich, NY 138152
  • Mailing address52 S. Broad Street, Norwich, NY 138152
  • Phone60733722652
  • Shares outstanding51,960,061 as of Jul 31, 202614
  • Public float$2.1B as of Jun 30, 202516
  • AuditorKPMG LLP, Albany, New York PCAOB ID 185; it also attests to the company’s internal control over financial reporting16
  • On EDGAR sinceMar 16, 19952
  • Filings2,138 in all: 4 (1,112), 5 (274), 8-K (259), 10-Q (95), 3 (40), 425 (40), DEF 14A (32), SC 13G/A (31)2
    All 47 form types

    10-K (27), 11-K (25), 144 (24), 4/A (22), S-8 (15), 424B3 (14), DEFA14A (14), UPLOAD (14), CORRESP (11), S-4/A (11), S-4 (10), S-3ASR (6), 10-K405 (5), 3/A (5), 8-A12G/A (5), EFFECT (4), POS AM (4), PRE 14A (4), 5/A (3), SC 13D (3), SC 13D/A (3), SC 13G (3), SCHEDULE 13G (3), 424B5 (2), 8-K/A (2), DEFR14A (2), S-8 POS (2), 10-K405/A (1), 10-Q/A (1), 11-K/A (1), 13F-HR/A (1), 305B2 (1), 424B2 (1), ARS (1), FWP (1), NO ACT (1), RW (1), S-3 (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 6, 2026
    Latest 8-K (8-K) Sep 21, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareNBTBNASDAQ

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).16

Risk factors and legal proceedings

The risks NBT Bank names in Item 1A of its 10-K filed Feb 27, 2026: 26 risks under these headings, as written.16

  • Risks Related to our Business and Industry
  • The Company may be adversely affected by conditions in the financial markets and economic conditions generally.
  • Deterioration in local economic conditions may negatively impact our financial performance.
  • Severe weather, flooding and other effects of climate change and other natural disasters could adversely affect our financial condition, results of operations or liquidity.
  • Variations in interest rates could adversely affect our results of operations and financial condition.
  • Our lending, and particularly our emphasis on commercial lending, exposes us to the risk of losses upon borrower default.
  • Our allowance for credit losses may not be sufficient to cover actual loan losses, which could have a material adverse effect on our business, financial condition and results of operations.
  • Strong competition within our industry and market area could adversely affect our performance and slow our growth.
  • The Company is subject to liquidity risk, which could adversely affect net interest income and earnings.
  • Our ability to service our debt, pay dividends and otherwise pay our obligations as they come due is substantially dependent on capital distributions from our subsidiaries.
  • A reduction in the Company’s credit rating could adversely affect our business and/or the holders of our securities.
  • The Company relies on third parties to provide key components of its business infrastructure.
The other 15 risks
  • There are substantial risks and uncertainties associated with the introduction or expansion of lines of business or new products and services within existing lines of business.
  • Risks Related to Legal, Governmental and Regulatory Changes
  • We are subject to extensive government regulation and supervision, which may interfere with our ability to conduct our business and may negatively impact our financial results.
  • We are subject to heightened regulatory requirements because we exceed $10 billion in total consolidated assets.
  • Our controls and procedures may fail or be circumvented, which may result in a material adverse effect on our business.
  • We may be held responsible for environmental liabilities with respect to properties to which we obtain title, resulting in significant financial loss.
  • We may be adversely affected by the soundness of other financial institutions including the FHLB of New York.
  • Provisions of our certificate of incorporation and bylaws, as well as Delaware law and certain banking laws, could delay or prevent a takeover of us by a third party.
  • The Company has risk related to legal proceedings.
  • Risks Related to Information Technology, Cybersecurity and Data Privacy
  • The Company faces operational risks and cybersecurity risks associated with incidents which have the potential to disrupt our operations, cause material harm to our financial condition, result in misappropriation of assets, compromise confidential information and/or damage our business relationships and cannot guarantee that the steps we and our service providers take in response to these risks will be effective.
  • The Company may be adversely affected by fraud.
  • We continually encounter technological change and the failure to understand and adapt to these changes could have a material adverse impact on our business.
  • The development and use of AI exposes us to risks that may adversely impact our business.
  • Risks Related to an Investment in the Company’s Securities
  • There may be future sales or other dilution of the Company’s equity, which may adversely affect the market price of the Company’s stock.
  • General Risks
  • The risks presented by acquisitions could adversely affect our financial condition and results of operations.
  • We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations.

Legal proceedings

There are no material legal proceedings, other than ordinary litigation incidental to the business, to which the Company or any of its subsidiaries is a party or of which any of their property is subject.

The opening of Item 3, Legal Proceedings.16

Sources

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