NBT Bank

NBT Bank

Operates community bank and financial services

Overview

NBT Bancorp Inc. is a financial services company based in Norwich, New York. It operates NBT Bank, a full-service community bank with 175 branches across seven states (NY, PA, VT, MA, NH, ME and CT), plus EPIC Advisors for 401(k) plan recordkeeping and NBT Insurance Agency for insurance products. The bank offers standard services like checking and savings, loans and mortgages, while EPIC Advisors handles retirement plan administration and NBT Insurance Agency sells insurance products. Its goal is to serve individuals and businesses with integrated financial services across its regional footprint, supported by its FDIC membership and Equal Housing Lender status.

About NBT Bank

Simplify's Rating
Why NBT Bank is rated
C-
Rated C on Competitive Edge
Rated C on Growth Potential
Rated D+ on Differentiation

Industries

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Norwich, New York

Founded

1856

People at NBT Bank

People at NBT Bank who can refer or advise you

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Simplify's Take

What believers are saying

  • Expanding southern Maine branches leverages a decade-old Portland commercial lending foothold for targeted regional growth.
  • Frank Aceto's 15+ years managing 300+ business accounts enhances commercial banking in the Mohawk Valley.
  • Gina Rossi's data-driven marketing strategy as Chief Marketing Officer since 2026 strengthens brand presence across channels.

What critics are saying

  • Evans Bancorp merger exposes NBT to $15–25M in non-performing Maine agricultural/construction loans within 12–18 months.
  • Portland retail branch at 191 Marginal Way likely underperforms due to 22% higher rent and 14% lower foot traffic in 6–12 months.
  • $16.2B asset base lacks liquidity to cover $120M Maine deposit outflows, risking $20–30M forced asset sale in 6–12 months.

What makes NBT Bank unique

  • NBT Bank distinguishes itself with a 176-location network across seven states and $16.2B assets as of March 2026.
  • The bank strengthened risk governance by appointing Joe Sergienko as Chief Risk Officer in June 2026.
  • NBT Bank deepens regional ties through partnerships like the 2026 Official Banking Partner role with Vermont Soccer Association.

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Benefits

Health Insurance

Health Savings Account/Flexible Spending Account

Dental Insurance

Vision Insurance

Disability Insurance

Life Insurance

Voluntary Benefits

401(k) Retirement Plan

401(k) Company Match

Paid Vacation

Parental Leave

Adoption Assistance

Tuition Reimbursement

Employee Assistance Program

Pet Insurance

Flexible Work Hours

Company News

Business West
Jul 7th, 2026
NBT Bank promotes Joe Sergienko to chief risk officer.

NBT Bank promotes Joe Sergienko to chief risk officer. NORWICH, N.Y. - NBT Bank has promoted Joe Sergienko to senior vice president and chief risk officer. With this new role, Sergienko has also joined NBT's executive management team. Sergienko joined NBT in 2024 as managing director of Enterprise Risk Management and was promoted to deputy chief risk officer in December 2025. As chief risk officer, he will lead the company's Risk Management division, overseeing enterprise-wide risk strategy, governance, and compliance. "Joe's depth of expertise and forward-looking approach to enterprise risk management will be instrumental as we continue to strengthen our risk culture and support long-term growth," NBT Bank CEO Scott Kingsley said. "He has already made a meaningful impact since joining NBT and will continue supporting our long-term growth and risk management strategy." Sergienko brings 25 years of experience as both an in-house practitioner and a professional services advisor to financial services and fintech organizations of varying sizes and complexity. His expertise includes designing and executing enterprise-wide risk management and compliance programs, helping institutions strengthen their risk frameworks and navigate evolving regulatory environments. Prior to joining NBT, Sergienko served as managing director of Risk and Compliance for Treliant Consulting. His career also includes leadership and advisory roles with Promontory Financial Group and State Street Corp. He earned his associate degree in accounting from New England College of Finance, his bachelor's degree in organizational leadership from Northeastern University, and his MBA from the Questrom School of Business at Boston University. In addition, he holds the Six Sigma Green Belt certification and is a member of the Global Assoc. of Risk Professionals and ProSight Financial Assoc. (formerly the Risk Management Assoc.). He is also active in the alumni associations of Boston University and Northeastern University.

iBerkshires.com
May 4th, 2026
NBT Bank to host Community Shred Day and food drive.

NBT Bank to host Community Shred Day and food drive. NORTH ADAMS, Mass. - NBT Bank has announced it will host a Community Shred Day on Saturday, May 9, 2026. The event is scheduled to take place from 9:00 a.m. to 11:00 a.m. at the bank's branch located at 331 State Road. To facilitate the event, NBT Bank is partnering with Valley Green Shredding, LLC to provide professional document destruction services to the public at no cost. The initiative aims to help community members protect their personal information by safely disposing of sensitive old documents. While the service is free, organizers have noted the following guidelines: * There is a five bag or box maximum per person. * The event is intended for personal documents only; no business shredding will be accepted. In addition to the shredding services, NBT Bank will hold a food drive during the event. Attendees are encouraged to bring non-perishable food items to support local neighbors in need.

Vermont Soccer Association
Apr 21st, 2026
Vermont Soccer Association and NBT Bank announce statewide partnership.

Vermont Soccer Association and NBT Bank announce statewide partnership. Vermont Soccer Association (VSA) and NBT Bank, two organizations committed to strengthening local communities, have announced that beginning in 2026, NBT Bank will serve as the Official Banking Partner of Vermont Soccer Association. This partnership reinforces a shared commitment to supporting youth development and expanding access to soccer across the state. Built on a shared dedication to Vermont families and communities, the partnership reflects a unified vision of promoting opportunity, financial well-being, and active lifestyles for players, coaches, referees, and families throughout the Green Mountain State. "We are thrilled to welcome NBT Bank to the Vermont Soccer family," said Andrew Minnis, Executive Director of Vermont Soccer Association. "This partnership brings together Vermont Soccer and NBT Bank, an exceptional organization defined by high-quality people and a genuine commitment to the communities they serve. Together, we are creating meaningful opportunities that support the growth and development of our players, families, and members - helping them succeed both on the field and in life. Through this collaboration, we are not only advancing the game across Vermont, but also investing in a stronger future for our soccer community." Minnis added, "NBT Bank's dedication to service, integrity, and community impact makes them an ideal partner for Vermont Soccer Association. Together, we are creating a strong foundation that supports the growth of our players, coaches, and referees while strengthening the long-term health of the communities we serve." "Partnering with the Vermont Soccer Association is a natural fit for NBT Bank and for me personally," said Vermont Regional President Dan Werme. "My daughter played soccer through VSA throughout her school years. Soccer kept her active and engaged at a time when kids are increasingly drawn to screens, and during COVID I watched her withdraw and then truly come back to life when she returned to the field. This partnership reflects NBT's commitment to helping individuals, families, and communities thrive by supporting programs that promote teamwork, leadership, and healthy lifestyles." Through the partnership, NBT Bank will support key VSA initiatives, including serving as the presenting partner of the Spring Vermont Soccer Festival - the state's largest event - as well as supporting TOPSoccer, statewide programming, educational resources for players and families, and expanded outreach efforts designed to make soccer more accessible and inclusive. The collaboration will also create opportunities for financial literacy education, community engagement, and on-site presence at major VSA events and championships. About NBT Bank NBT Bank is an independent, community-focused financial institution dedicated to putting customers first and strengthening the communities it serves. NBT first established a presence in Vermont in 2009 with the opening of its Vermont Regional Headquarters at 150 Bank Street in Burlington. Since then, the bank has expanded its footprint with additional locations in Williston, Essex Junction, and South Burlington. The bank offers a full range of personal banking, business banking, and wealth management services through a network of 176 locations across seven states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut. For more information, visit www.nbtbank.com/vt. About Vermont Soccer Association Vermont Soccer Association is dedicated to enriching the lives of young athletes across the state through the sport of soccer. Its mission is to provide a supportive and inclusive environment that fosters long-term, holistic development of youth players both on and off the field. Committed to the principles of Fun, Belonging, and Development, VSA strives to cultivate a lifelong love for soccer while instilling core values in all of its members. With a strong focus on accessibility, the organization works to ensure soccer remains an affordable and inclusive opportunity for all Vermont youth, regardless of background or ability. Through intentional programming, competition, education, and collaborative partnerships, VSA empowers young athletes to reach their full potential - on and off the field.

The Daily Gazette
Apr 7th, 2026
Swifty's Restaurant and Pub's Delmar location facing possible foreclosure: report.

Swifty's Restaurant and Pub's Delmar location facing possible foreclosure: report. DELMAR - Swifty's Restaurant and Pub is facing a possible foreclosure on its Delmar location by its lender, NBT Bank. According to Albany Business Review, NBT Bank sued Swifty's in the early week of March 30, alleging that Swifty's Restaurant and Pub Inc. stopped making loan payments in November 2025. Deputy Online Editor

RaceDayCT
Feb 25th, 2026
NBT Bank Signs On To Support Road Warrior Challenge At Thunder Road On August 6

NBT Bank signs on to support Road Warrior Challenge at Thunder Road on August 6. It was announced on Wednesday that NBT Bank has committed to support the fan-favorite Road Warrior Challenge on Thursday, August 6 at Thunder Road Speedbowl. NBT Bank is an independent, community-focused financial institution dedicated to putting customers first and strengthening the communities it serves. With a full range of personal banking, business banking and wealth management services, NBT has offices in Burlington, South Burlington, Williston and Essex Junction. The extra-distance Challenge for the Burnett Scrap Metals Road Warriors continues the eight-year annual tradition of putting these bare-bones machines against one another in 50 grueling laps of calamity. The popular starting division was reborn back in 2017 and has since given way to several top competitors on the next rungs in the Thunder Road ladder including the rk Miles Street Stocks, Lenny's Shoe & Apparel Flying Tigers and Maplefields/Irving Late Models. "At NBT Bank, we believe in investing in the communities where we live and work," said Dan Werme, NBT Bank's Vermont Regional President. "The Road Warrior Challenge is a great example of an event that brings people together and highlights the energy and grit that make this region special. We're thrilled to help keep that tradition going." "We're glad to have NBT Bank join the Thunder Road family," said Thunder Road Managing Partner Cris Michaud. "This is a new and exciting chapter in their marketing portfolio and we know the great fans and drivers of Thunder Road appreciate their support." Continue to keep tabs on all the winter happenings, including more exciting news items to come, online at www.thunderroadvt.com or on Thunder Road's official social media pages! 2026 Season Passes are available, find the hardcopy form at www.thunderroadvt.com/forms or order your Season Passes and Thunder Road Apparel online today at https://thunderroadvt.square.site/.

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