NBT Bancorp Inc.

Regional bank holding company serving the northeastern United States

What NBT Bancorp does

NBT Bancorp owns a community bank that takes deposits and makes loans to individuals, businesses, farms and local governments across upstate New York, Pennsylvania and New England. It also manages investments and trusts, sells insurance, and administers retirement plans and health savings accounts for employers.

How NBT Bancorp makes money

It earns most of its money on the gap between the interest it charges on loans and what it pays on deposits. It also collects fees from wealth management, trust, insurance, retirement plan administration and banking services.

Products & services

• Checking, savings, money market and CD deposit accounts
• Commercial real estate, business and agricultural loans
• Residential mortgages, home equity and indirect auto loans
• Trust, investment management and financial planning
• Retirement plan and HSA recordkeeping and administration
• Property, casualty and commercial insurance