NBT Bancorp (NBTB) Investor Presentation - Slideshow

− 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 ...