NBT Bancorp is a community bank holding company headquartered in Norwich, New York. Its primary subsidiary, NBT Bank, provides commercial banking, retail banking, and wealth management services across a seven-state footprint in the northeastern U.S., with $16B in total assets. NBT's loan book is roughly split between commercial (C&I and CRE) and consumer products (indirect auto, residential mortgages, and home equity), and the bank gathers deposits from retail, commercial, and municipal customers. About 58% of deposits sit in low- or no-cost checking and savings accounts, providing a stable, low-cost funding base. NBT sells its services through a branch network spanning 47 counties, supplemented by digital channels, and emphasizes local decision-making and community relationships as its primary go-to-market approach. Beyond core banking, NBT operates EPIC Advisors, a national 401(k) and retirement plan administration firm, and NBT Insurance Agency, a regional property and casualty insurance agency. Together with wealth management, these non-bank businesses represent roughly 27-28% of total revenues. NBT's primary earnings driver is net interest income — the spread between loan and investment yields and deposit funding costs. Fee income comes from retirement plan administration, wealth management, insurance commissions, and card services. NBT grows organically through de novo branch openings (targeting 4-6 per year) and talent recruitment, and supplements growth through acquisitions of like-minded community banks, most recently Evans Bancorp in May 2025.