NBT Bancorp Inc. is a financial services holding company headquartered in Norwich, NY, about 65 miles south of Syracuse. The company was formed in 1986 to facilitate the management of NBT Bank, N.A. NBT Bancorp currently has two subsidiaries—NBT Bank, N.A. and NBT Financial Services, Inc.

NBT Bank, N.A. is a full-service community bank offering a complete range of retail and commercial banking products as well as trust and investment services. Formed in 1856, NBT Bank, N.A. conducts business through a network of over 150 banking locations in six states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine.

NBT Financial Services, Inc. was formed in 1999 and is the parent company of EPIC Advisors, Inc. and NBT Insurance Agency, LLC. Epic Advisors, based in Rochester, NY, is a full -service 401(k) plan recordkeeping firm. NBT Insurance Agency, based in Norwich, NY, is a full-service insurance agency.

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