NBT BANCORP INC — Director's Dealing 2026

Feb 13, 2026

SEC Form 5 — Annual Statement of Changes in Beneficial Ownership

Issuer: NBT BANCORP INC (NBTB)
CIK: 0000790359
Period of Report: 2025-12-31

Reporting Person: Kowalczyk Andrew S III (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-12-31	NBT Bancorp Inc. Common Stock	J	116.708	$0.0	Acquired	12591.843	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2025-12-31	Phantom Stock	$	J	205.276	Acquired		NBT Bancorp Inc. Common Stock (205.276)	Direct

Footnotes

F1: Shares were purchased through a Dividend Reinvestment Plan from 1/1/2025 to 12/31/2025.

F2: Each share of phantom stock is deemed invested in one share of NBT Bancorp Inc. common stock pursuant to the terms of the Deferred Compensation Plan.

F3: Shares were purchased through payroll deferral and/or dividend reinvestment from 1/1/2025 to 12/31/2025 through a NBT Bancorp Inc. deferred compensation plan.