UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (MARK ONE) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM ________ TO ________. COMMISSION FILE NUMBER: 0-14703 NBT BANCORP INC. (Exact name of registrant as specified in its charter) Delaware 16-1268674 (State or other jur ...

NBT Bancorp Inc. (NASDAQ:NBTB) Q4 2023 Earnings Conference Call January 24, 2024 8:30 AM ET Company Participants John Watt - President and CEO Scott Kingsley - Chief Financial Officer Annette Burns - Chief Accounting Officer Joe Ondesko - Treasurer Joe Stagliano - President, Retail Banking Conference Call Participants Steve Moss - Raymond James Chris O’Connell - KBW Alexander Twerdahl - Piper Sandler Operator Good day, everyone. And welcome to the conference call covering NBT Bancorp’s Fourth Quarter and Fu ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________. COMMISSION FILE NUMBER 0-14703 NBT BANCORP INC. (Exact name of registrant as specified in its charter) Delaware 16-1268674 (State o ...

NBT Bancorp Inc. (NASDAQ:NBTB) Q3 2023 Earnings Conference Call October 25, 2023 8:30 AM ET Company Participants John Watt - President & Chief Executive Officer Scott Kingsley - Chief Financial Officer Annette Burns - Chief Accounting Officer Joseph Ondesko - Treasurer Joseph Stagliano - Chief Information Officer and President of Retail Banking Conference Call Participants Alexander Twerdahl - Piper Sandler Companies Steve Moss - Raymond James Chris O'Connell - KBW Matthew Breese - Stephens Inc. Operator Go ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________. COMMISSION FILE NUMBER 0-14703 NBT BANCORP INC. (Exact name of registrant as specified in its charter) Delaware 16-1268674 (State or oth ...

NBT Bancorp Inc. (NASDAQ:NBTB) Q2 2023 Earnings Conference Call August 1, 2023 8:30 AM ET Company Participants John H. Watt, Jr. - President & Chief Executive Officer Scott Kingsley - Chief Financial Officer Conference Call Participants Alex Twerdahl - PSC Steve Moss - Raymond James Chris O’Connell - KBW Matthew Breese - Stephens Inc. Operator Good day, everyone. Welcome to the NBT Bancorp's Second Quarter 2023 Financial Results Conference Call. This call is being recorded and has been made accessible to th ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________. COMMISSION FILE NUMBER 0-14703 NBT BANCORP INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of ...

NBT Bancorp Inc. (NASDAQ:NBTB) Q1 2023 Earnings Conference Call April 25, 2023 8:30 AM ET Company Participants John H. Watt, Jr. – President and Chief Executive Officer Scott Kingsley – Chief Financial Officer Conference Call Participants Alex Twerdahl – Piper Sandler & Co Steve Moss – Raymond James Chris O’Connell – KBW Matt Breese – Stephens Inc. Operator Good day, everyone. Welcome to the NBT Bancorp’s First Quarter 2023 Financial Results Conference Call. This call is being recorded and has been made acc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (MARK ONE) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM ________ TO ________. Delaware 16-1268674 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 52 South Broad Street, ...

− Approximately 51% of deposits come from MSAs where NBTB holds a top 5 rank − Approximately 92% of deposits come from counties where NBTB holds a top 10 rank − Approximately 72% of deposits come from counties where NBTB holds a top 5 rank Retail, Commercial and Municipal deposits generated from long-duration relationships One of only a few $10+ billion banks in New England (most are either much larger or smaller) Vermont − Market share dominated by larger banks. Opportunity for locally-focused bank − $704 ...