NBT Bank: Northeast’s Dedicated Community Partner

Our Profile: Over 165 Years of Community Banking

NBT Bank, N.A. is the primary banking subsidiary of NBT Bancorp Inc. (NASDAQ: NBTB), a publicly traded financial holding company. Founded in 1856 as the Bank of Norwich, the institution has over 165 years of continuous operation, surviving every major financial crisis by adhering to conservative, community-focused banking principles.

Headquartered in Norwich, New York, NBT Bank operates a significant regional network of over 170 banking locations. Its geographic footprint spans seven states across the Northeastern U.S.: New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut. With total assets exceeding $16 billion, NBT is known for combining the comprehensive offerings of a regional bank with the personalized service and local decision-making of a true community institution.

Core Business Segments and Integrated Services

NBT Bank provides a full spectrum of commercial, retail, and wealth management services, often delivered through its two integrated financial services subsidiaries:

Commercial Banking: Provides comprehensive solutions for businesses and municipalities, including commercial lending, equipment financing, and sophisticated Treasury Management services (e.g., ACH payments, wire transfers). The bank has specialized experience in Municipal Banking services.
Retail Banking: Offers essential services such as checking, savings, mortgages, home equity, and consumer loans, delivered through its widespread branch network and robust digital banking platforms.
Wealth Management & Fiduciary Services: Offers customized solutions, including investment advisory, retirement planning, trust and estate administration, and financial planning.
Retirement Plan Services and Insurance: The holding company operates two key subsidiaries: EPIC Advisors, Inc. for retirement plan administration, and NBT-Mang Insurance Agency, LLC for comprehensive insurance services.

The NBT Bank Distinction

NBT Bank’s competitive edge is its heritage of independence and stability. The bank maintains a culture that encourages local involvement and quick, local decision-making, which is highly valued by the commercial and municipal clients in its markets. Its commitment to improving financial health is demonstrated through programs like the Bank On certified iSelect Account, designed to serve unbanked and underbanked individuals.

Corporate Contact Information: NBT Bank (Headquarters)

The table below provides the essential contact details for the headquarters of NBT Bank.

Name	NBT BANK, N.A. (NBT Bancorp Inc.)
Address (Corporate HQ)	52 South Broad Street, Norwich, NY 13815, USA.
Tel (General Customer Service)	+1 (800) 628-2265 (U.S. Toll-Free)
Corporate Phone	+1 (607) 337-2265 (Local)
SWIFT Code (Primary)	NBTNUS31XXX