NBT Bancorp Inc. is a financial holding company incorporated in Delaware in 1986. The company's main sources of income are management fees and dividends received from banks, NBT Financial and NBT Holdings. The company's business is mainly conducted through banks, including commercial banking, retail banking and wealth management services mainly to customers in its market areas. The Company has been and intends to continue to be a community-based financial institution providing a variety of financial services. The company's business philosophy is to operate as a locally determined community bank, providing a wide range of banking and financial services to retail, commercial and municipal clients. 

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