144 0001707868 XXXXXXXX LIVE 0000790359 NBT BANCORP INC 000-14703 52 S BROAD ST NORWICH NY 13815 6073372265 Halliday Sarah A Officer NBT Bancorp Inc. Common Stock Charles Schwab & Co., Inc.

3000 Schwab Way Westlake TX 76262

4015 180000.00 52010232 05/11/2026 NASDAQ NBT Bancorp Inc. Common Stock 12/31/2018 401k, ESOP and Employer Match Shares NBT Bancorp Inc. and Charles Schwab Trust Company N 1286 12/31/2018 Cash NBT Bancorp Inc. Common Stock 12/31/2019 401k, ESOP and Employer Match Shares NBT Bancorp Inc. and Charles Schwab Trust Company N 885 12/31/2019 Cash NBT Bancorp Inc. Common Stock 12/31/2020 401k, ESOP and Employer Match Shares NBT Bancorp Inc. and Charles Schwab Trust Company N 1194 12/31/2020 Cash NBT Bancorp Inc. Common Stock 12/31/2021 401k, ESOP and Employer Match Shares NBT Bancorp Inc. and Charles Schwab Trust Company N 650 12/31/2021 Cash Y 05/14/2026 Sarah A Halliday