NBT Bancorp Inc

NBT Bancorp Inc. a financial holding company provides commercial banking retail banking and wealth management services. Its deposit products include demand deposit savings negotiable order of withdrawal money market deposit and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial commercial real estate agricultural and commercial construction loans; indirect and direct consumer home equity mortgages business banking loans and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition the company offers insurance products comprising personal property and casualty business liability and commercial insurance as well as other products and services through 24-hour online mobile and telephone channels that enable customers to check balances make deposits transfer funds pay bills access statements apply for loans and access various other products and services. It operates in central and upstate New York northeastern Pennsylvania southern New Hampshire western Massachusetts Vermont southern Maine and central Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich New York.