NBT Bancorp, Inc. operates as a bank holding company for NBT Bank, National Association that provides commercial banking and financial services to individuals, corporations, and municipalities. The company’s deposit products include demand deposit accounts, savings accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificate of deposit accounts. Its loan portfolio comprises commercial loans, commercial real estate loans, agricultural and agricultural real estate loans, and business banking loans; consumer loans, such as indirect, home equity, and direct loans; and residential real estate mortgages, as well as real estate construction and development loans. The company also provides trust and investment services; financial planning services; life insurance services; retirement plan consulting and recordkeeping services; and a range of insurance products, including 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 27, 2015, it operated approximately 155 banking locations with offices in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine. NBT Bancorp, Inc. was founded in 1856 and is headquartered in Norwich, New York.