NBT Bancorp

NBT Bancorp Inc. is a financial services holding company operating through two subsidiaries—NBT Bank, N.A. and NBT Financial Services, Inc. Through its network of branch locations, NBT Bank offers a wide range of products and services tailored to individuals, businesses, and municipalities. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificate of deposit accounts. NBT Bank offers various types of each deposit account to accommodate the needs of its customers with varying rates, terms, and features.

Loan products offered by the Bank include consumer loans, home equity loans, mortgages, business banking loans and commercial loans, with varying rates, terms and features to accommodate the needs of its customers. The Bank also offers various other products and services through its branch network such as trust and investment services and financial planning and life insurance services. In addition to its branch network, NBT Bank also offers access to certain products and services electronically enabling customers to check balances, transfer funds, pay bills, view statements, apply for loans and access various other product and service information. 

Through NBT Financial Services, the Company operates EPIC Advisors, Inc., a retirement plan administrator. Through EPIC, the Company offers services including retirement plan consulting and recordkeeping services.

Parent Company
State Bank Financial
Norwich, US
NBT Bancorp was founded in 1999 and is headquartered in Norwich, US

NBT Bancorp Office Locations

NBT Bancorp has an office in Norwich
Norwich, US (HQ)
52 S Broad St

NBT Bancorp Data and Metrics

NBT Bancorp Summary

Founding Date

NBT Bancorp is a subsidiary of State Bank Financial

NBT Bancorp Financial Metrics

USDFY, 2013FY, 2014FY, 2015FY, 2016


157.6 m139.6 m130.6 m147.8 m


88.3 m89.3 m88.8 m84.2 m


265 m263.6 m266 m265.4 m

Total Assets

7.7 b7.8 b8.3 b8.9 b

Total Debt

764.9 m447.7 m572.9 m785.8 m

Additional Paid-in Capital

574.2 m576.5 m576.7 m575.1 m

Retained Earnings

385.8 m424 m462.2 m501.8 m

Total Equity

816.6 m864.2 m882 m913.3 m

Debt to Equity Ratio

0.9 x0.5 x0.6 x0.9 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

9.4 x9 x9.4 x9.7 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

61.7 m75.1 m76.4 m78.4 m

Depreciation and Amortization

4.9 m3.9 m

Cash From Operating Activities

119.3 m87.8 m124.5 m109.5 m

Cash From Investing Activities

(183.8 m)(143.7 m)(504 m)(630 m)

Long-term Borrowings

(163.6 m)(315.8 m)(498 k)(50.2 m)

Cash From Financing Activities

59.7 m43.6 m373.1 m529.3 m

Interest Paid

31.3 m23.4 m20.9 m22.5 m

NBT Bancorp Online and Social Media Presence

NBT Bancorp Company Life and Culture

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