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    <title>Cayman Journal - NBT Bancorp Inc (NBTB)</title>
    <description>Latest news, press releases, and SEC filings for NBT Bancorp Inc (NBTB)</description>
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    <copyright>Copyright 2026, Cayman Journal</copyright>
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      <title>ARS — NBT BANCORP INC</title>
      <description># 🧾 What This Document Is

This is an **Annual Report to Shareholders (ARS)**. Think of it as the company&apos;s official, comprehensive &quot;year-in-review&quot; book. It’s sent directly to investors and includes the audited financial statements (like the 10-K) but is often designed to be more reader-friendly, </description>
      <link>https://caymanjournal.com/stock/NBTB/sec-filing/0001140361-26-013244</link>
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      <pubDate>Mon, 06 Apr 2026 00:00:00 GMT</pubDate>
      
      <category>SEC Filing</category>
      
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