NBT Bancorp (NBTB) - 2021 Q4 - Earnings Call Transcript

NBT Bancorp Inc. (NASDAQ:NBTB) Q4 2021 Results Conference Call January 27, 2022 8:30 AM ET Company Participants John Watt - President & Chief Executive Officer Scott Kingsley - Chief Financial Officer Annette Burns - Chief Accounting Officer Joe Ondesko - Treasurer Conference Call Participants Alex Twerdahl - Piper Sandler Eric Zwick - Boenning and Scattergood Chris O'Connell - KBW Matthew Breese - Stephens Inc Operator Good day, everyone. Welcome to the NBT Bancorp Fourth Quarter 2021 Financial Results Co ...