NBT Bancorp Inc. is a financial holding company that operates as a community-oriented bank providing commercial banking, retail banking, and wealth management services across multiple northeastern states including New York, Pennsylvania, New Hampshire, Massachusetts, Vermont, Maine, and Connecticut. The company generates revenue primarily through net interest income from its lending and deposit-taking operations, supplemented by noninterest income from service charges, wealth management fees, insurance services, and retirement plan administration through its subsidiaries—EPIC Advisors, NBT Insurance Agency, and NBT Capital Management. The company differentiates itself by emphasizing local decision-making, community relationships, and specialized services such as agricultural lending rather than competing primarily on price or product breadth.