NBT Bancorp (NBTB) - 2023 Q4 - Earnings Call Transcript

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 ...