NBT Bancorp (NBTB) - 2020 Q4 - Earnings Call Transcript

NBT Bancorp, Inc. (NASDAQ:NBTB) Q4 2020 Earnings Conference Call January 28, 2020 8:30 AM ET Company Participants John Watt - President, CEO & Director John Moran - EVP & CFO Amy Wiles - EVP and Chief Credit & Risk Officer Conference Call Participants Alex Twerdahl - Piper Sandler & Co. Matthew Breese - Stephens Inc. Operator Good day, everyone. Welcome to the NBT Bancorp Fourth Quarter 2020 Financial Results Conference Call. This call is being recorded and has been made accessible to the public in accordan ...