NBT Bancorp Inc. is a financial holding company incorporated in 1986 in the state of Delaware and headquartered in Norwich, NY. The Company primarily operates through NBT Bank, N.A. and two financial services companies.

NBT Bank, N.A. is a full-service community bank with 140 locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut.

EPIC Retirement Plan Services is a full-service retirement plan administration and recordkeeping firm based in Rochester, NY.

NBT Insurance Agency, LLC is a full-service insurance agency based in Norwich, NY.