NBT Bancorp (NBTB) - 2022 Q4 - Earnings Call Transcript

NBT Bancorp Inc. (NASDAQ:NBTB) Q4 2022 Earnings Conference Call January 24, 2023 8:30 AM ET Company Participants John H. Watt, Jr. - President & Chief Executive Officer Scott Kingsley - Chief Financial Officer Conference Call Participants Steve Moss - Raymond James Alex Twerdahl - Piper Sandler & Company Chris O'Connell - KBW Matthew Breese - Stephens Inc. Operator Good day, everyone. Welcome to the conference call covering NBT Bancorp's Fourth Quarter and Full Year 2022 Financial Results. This call is bein ...