NBT Bancorp Inc. is a financial holding company that provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers deposit accounts, various loans, trust and investment services, financial planning, insurance, and retirement plan administration. It serves retail, commercial, and municipal customers across upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. Founded in 1856, it is headquartered in Norwich, New York.