NBT Bancorp Inc. is a financial holding company incorporated in the State of Delaware in 1986. The Company is the parent holding company of NBT Bank, N.A. and NBT Financial Services, Inc. Through these subsidiaries, the Company operates as one segment focused on community banking operations. The Company's primary business consists of providing commercial banking and financial services to its customers in its market area. The NBT Bank division has 74 offices and is located primarily in Central and Northern New York. The Pennstar Bank division has 40 offices and is located primarily in Northeastern Pennsylvania.
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