NBT Bank, N.A. operates as a regional bank with a long-standing presence in the northeastern United States. The institution traces its origins to mid-19th century banking, evolving from an era when local banks served agricultural and commercial communities to a modern community-focused financial services provider. Its history reflects a pattern of growth through branch network expansion and integration with other financial entities, while maintaining a charter and identity tied to its foundational mission. The organization offers a range of core banking functions typical of a full-service bank, including deposit-taking, loan origination, and treasury activities, aimed at meeting the everyday financial needs of individuals and small businesses within its service area. Operationally, the bank supports consumer and small business banking, along with related financial services, through its branch network and affiliated channels, emphasizing localized service delivery aligned with community needs. This overview focuses on the entity’s nature, historical development, principal functions, and regional scope without external comparisons or promotional language.
Better than 71% of providers in Manchester
In addition to the primary service, NBT Bank also offers:
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Founded in 1856 by Warren Newton (former contractor for the Erie and Chenango canals), Isaac Newton (Warren's brother), and James H. Smith (NBT Bank's first President), NBT Bank was first a state-chartered bank called the Bank of Norwich. The bank's first board meeting was held on March 3, 1856 at the law office of Warren and Isaac Newton. The bank opened for business on July 15, 1856 in a storefront on South Main Street.... On June 28, 1865, the bank received a national charter (which it...
en.wikipedia.orgXML 20 R9.htm IDEA: XBRL DOCUMENT v3.25.1Description of Business3 Months Ended Description of BusinessMar. 31, 2025 Description of Business [Abstract] Description of Business<table><tr><td>1.</td><td> Description of Business </td></tr></table> NBT Bancorp Inc. is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York.
www.sec.govXML 19 R9.htm IDEA: XBRL DOCUMENT v3.22.1Description of Business3 Months Ended Description of BusinessMar. 31, 2022 Description of Business [Abstract] Description of Business<table><tr><td>1.</td><td> Description of Business </td></tr></table> NBT Bancorp Inc. (the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York.
www.sec.govNBT Bancorp Inc. 634 followers on LinkedIn. NBT Bancorp Inc. is a financial holding company headquartered in Norwich, NY. NBT Bancorp Inc. is a financial services holding company headquartered in Norwich, N.Y. The company primarily operates through NBT Bank, N.A., EPIC Retirement Plan Services and NBT Insurance Agency. NBT Bancorp had assets of $12 billion as of December 31, 2021 and is traded on the Nasdaq Global Select Market under the symbol NBTB.
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Find answers to common questions
NBT Bank is listed as a financial service provider in Manchester, NH and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask NBT Bank to explain the terms in writing before you proceed.
To improve your chances of getting better terms from NBT Bank, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare NBT Bank with other providers in Manchester and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
NBT Bank has a rating of 4.3, which is better than 71% of providers in Manchester.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents NBT Bank requests. It is always best to call ahead using the phone number on this page so NBT Bank can confirm exactly which documents you need for your specific situation.
In addition to its primary service, NBT Bank also offers: Bank, ATM, Business banking service, Car finance and loan company, Financial consultant, Financial institution, Financial planner, Mortgage lender, Savings bank, Trust bank.