NBT Bancorp, Inc. is a holding company, which engages in the provision of financial solutions. The company is headquartered in Norwich, New York and currently employs 1,861 full-time employees. The firm's business is primarily conducted through the NBT Bank, National Association (the Bank). The Bank provides commercial banking, retail banking and wealth management services primarily to customers in its market area, which includes central and upstate New York, north-eastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine and central Connecticut. Through its network of branch locations, the Bank offers a range of products and services to individuals, businesses and municipalities. The Bank offers various other products and services through its branch network, such as trust and investment services and financial planning and life insurance services. Through NBT Financial Services, Inc., the Company operates EPIC Advisors, Inc. (EPIC), a retirement plan administrator. The company also provides other services through its subsidiaries, such as insurance, retirement plan administration and other.