NBT Bancorp Inc., a financial holding company, provides commercial banking and financial services to individuals, corporations, and municipalities. The company accepts various deposit products that include demand deposit accounts, savings accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificate of deposit accounts. Its loan portfolio comprises residential real estate mortgages, commercial loans, commercial real estate loans, real estate construction and development loans, agricultural and agricultural real estate loans, consumer loans, and home equity loans. The company also provides trust and investment services; financial planning services; retirement plan consulting and recordkeeping services; and a range of insurance products, including life insurance, personal property and casualty, business liability, and commercial insurance, as well as enables customers to check balances, transfer funds, pay bills, view statements, apply for loans, and access various other product and service information online. As of April 23, 2012, the company had 132 locations, including 89 bank offices in upstate New York; 5 bank offices in western Massachusetts; 3 bank offices in northwestern Vermont; and 35 bank offices in northeastern Pennsylvania. The company was founded in 1856 and is headquartered in Norwich, New York.