NBT Bancorp Inc.: Business Overview, Financials & Competitive Analysis
NBT Bancorp Inc. scores 7/10 on the AskCyborg Cyborg Score (Strong). NBT is well-positioned for growth with expectations of an improving interest rate environment in 2026 and focus on market expansion and technology investments. NBT delivered strong financial performance in 2025 with net income of $169.2 million, or $3.33 per diluted share, up from $140.6 million in the prior year.
What is NBT Bancorp Inc.'s industry? NBT Bancorp Inc. (nbtbancorp.com) operates in Regional Banking & Financial Services. AskCyborg classifies NBT Bancorp Inc. under Regional Banking & Financial Services in its company registry.
NBT Bancorp is a financial holding company headquartered in Norwich, NY, with total assets of $16.00 billion, primarily operating through NBT Bank, N.A., a full-service community bank, and two financial services compa...
Cyborg Score thesis
NBT is well-positioned for growth with expectations of an improving interest rate environment in 2026 and focus on market...
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Get Current Report FreeNBT Bancorp Inc. Overview
Pro stress-test →NBT Bancorp is a financial holding company headquartered in Norwich, NY, with total assets of $16.00 billion, primarily operating through NBT Bank, N.A., a full-service community bank, and two financial services companies. The bank operates 176 banking locations across New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut.
Strategic Profile
Pro stress-test →In 2025, NBT completed the all-stock acquisition of Evans Bancorp, Inc. for $221.8 million, adding $1.86 billion of deposits and expanding its presence in Western New York. The company has achieved thirteen consecutive years of annual dividend increases, demonstrating shareholder-focused capital management.
Competitive Landscape
Pro stress-test →NBT operates in the northeastern United States regional banking market, providing commercial banking, retail banking, and wealth management services. The company competes with larger national banks and regional competitors across its footprint, leveraging community banking expertise and local market knowledge.
Industry Context
NBT Bancorp Inc. operates in Regional Banking & Financial Services.
Key facts
Founded: 1986 · Headquarters: Norwich, NY, United States · Employees: 2,303 · Revenue: $501.5B (Net Interest Income 2025)