NBT Bancorp Inc., a financial holding company with over 160 years of history, offers a wide range of banking and wealth management services. The company provides various deposit products, including demand deposit and savings accounts, as well as loan portfolios, such as commercial and industrial loans and residential real estate loans. NBT Bancorp also offers trust and investment services, financial planning and life insurance, and retirement plan consulting and recordkeeping services. The company's insurance products cover business liability, personal property and casualty, and commercial insurance. Customers can conveniently access these services through 24-hour online, mobile, and telephone channels. NBT Bancorp operates in several states, including central and upstate New York, western Massachusetts, and southern Maine. The financial giant, headquartered in Norwich, New York, is dedicated to providing quality financial services to its customers.