NBT Bancorp Inc. is a financial holding company. The Company, through its subsidiaries, consists of providing commercial banking and financial services to customers in its market area. The Company primarily operates through NBT Bank, National Association (NBT Bank or the Bank) and other subsidiaries, which provides a range of financial products to individuals, corporations and municipalities throughout the central and upstate New York, northeastern Pennsylvania, western Massachusetts, southern New Hampshire, Vermont, and the greater Portland, Maine area. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal (NOW) accounts, money market deposit accounts (MMDA), and certificate of deposit (CD) accounts. The Bank also offers trust and investment, and financial planning and life insurance services.