Financial holding company offering banking and financial services through its subsidiary, NBT Bank.
NBT Bancorp Inc., established in 1856 and headquartered in Norwich, New York, operates as a prominent financial holding company that delivers a broad spectrum of banking and financial services. The company's extensive range of offerings includes commercial banking, retail banking, and wealth management services tailored to meet the diverse needs of its clientele across various regions. NBT Bancorp prides itself on its commitment to providing robust deposit products, such as demand deposits, savings accounts, negotiable order of withdrawal (NOW) accounts, money market deposit accounts, and certificates of deposit (CDs), ensuring comprehensive banking solutions for both individual and business customers.
The core of NBT Bancorp's lending activities spans a diverse portfolio aimed at supporting economic growth and development. This encompasses commercial and industrial loans, commercial real estate financing, agricultural loans, and commercial construction loans. Additionally, the company offers a range of consumer loans, including indirect and direct consumer loans, home equity loans, mortgages, and business banking loans, further bolstering its support for personal and entrepreneurial financial needs. NBT Bancorp's robust residential real estate lending services underscore its dedication to facilitating homeownership and property investment.
Beyond traditional banking services, NBT Bancorp enhances its value proposition through trust and investment services, financial planning, life insurance services, and retirement plan consulting and recordkeeping. The company also provides comprehensive insurance products, including personal property and casualty insurance, business liability coverage, and commercial insurance solutions. With a strong commitment to digital banking innovation, NBT Bancorp offers convenient access to its products and services through 24-hour online, mobile, and telephone banking channels, empowering customers to manage their finances efficiently from anywhere. The firm's extensive branch network, encompassing 140 branches and 164 ATMs across New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine, underscores its dedication to serving communities with personalized financial solutions.