NBT Bancorp Inc. is a financial holding company that offers commercial banking, retail banking, and wealth management services, including deposit products like savings accounts and certificate of deposit accounts, and loan portfolios that include commercial and industrial, agricultural and commercial construction loans. Its additional services include insurance products, retirement plan consulting and recordkeeping, and 24-hour online, mobile, and telephone channels for its customers. The company has 140 branches and 164 ATMs in the North Eastern region of the US and was established in 1856.