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.

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Type
Subsidiary
Parent Company
State Bank Financial
HQ
Norwich, US
Founded
1999
NBT Bancorp was founded in 1999 and is headquartered in Norwich, US
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Key People/Management at NBT Bancorp

John Watt

John Watt

President and CEO
Michael Chewens

Michael Chewens

Senior Executive Vice President and Chief Financial Officer
Timothy Brenner

Timothy Brenner

Executive Vice President and President of Wealth Management
Matthew Durkee

Matthew Durkee

Executive Vice President and President of New England
Sarah Halliday

Sarah Halliday

Executive Vice President and President of Commercial Banking
F. Prentice

F. Prentice

Executive Vice President, General Counsel and Corporate Secretary
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NBT Bancorp Office Locations

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

Summary Metrics

Founding Date

1999
NBT Bancorp is a subsidiary of State Bank Financial

NBT Bancorp Financials

Annual
USDFY, 2016FY, 2017

Cost of goods sold

22.5 m25.9 m

Sales and marketing expense

132.3 m2.7 m

Operating expense total

132.3 m245.6 m

Depreciation and amortization

4 m
Quarterly
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017

Cost of goods sold

5 m5.3 m5.4 m5.6 m5.8 m5.9 m

Sales and marketing expense

31.6 m30.6 m32.9 m33.5 m33.4 m34 m

Operating expense total

31.6 m30.6 m32.9 m33.5 m33.4 m34 m

EBIT

58.8 m59.3 m58.5 m61 m60.3 m61.1 m64 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

157.6 m139.6 m130.6 m147.8 m156.9 m

Accounts Receivable

31.8 m

Inventories

6.2 b6.6 b

PP&E

88.3 m89.3 m88.8 m84.2 m81.3 m
Quarterly
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017

Cash

127.7 m175 m139.9 m151.8 m167.1 m137.3 m

Inventories

5.8 b5.9 b6 b6 b6.2 b6.3 b

PP&E

87.7 m87.8 m86.4 m84.6 m84.2 m83.1 m

Goodwill

263.6 m263.6 m266 m266 m264.7 m265.4 m268 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

61.7 m75.1 m76.4 m78.4 m82.2 m

Depreciation and Amortization

4.9 m3.9 m

Inventories

Accounts Payable

Quarterly
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q3, 2017

Net Income

45.6 m56.6 m18.2 m37.4 m57.3 m18.9 m38.8 m58.8 m20.3 m22.9 m

Depreciation and Amortization

1.2 m1.2 m1.1 m928 k952 k967 k

Cash From Operating Activities

43 m58.8 m30 m55.4 m93.1 m29.3 m50.1 m79.9 m27.7 m96.6 m

Cash From Investing Activities

(157.2 m)(165.3 m)(79.7 m)(305.5 m)(348.6 m)(190.3 m)(320.1 m)(457.4 m)(94 m)(275.9 m)
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