401(k) · DOL Form 5500 · 2023

Nbt Bancorp Inc. 401(k) Plan

Data updated 2026-08-11

$322M
Total assets: 1,838
Participants: 96th
Percentile by assets: $174,976
Avg per participant

Official DOL plan name: Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan · Sponsored by Nbt Bancorp Inc. · New York · Finance & Insurance

$322M in assets, 1,838 participants

Nbt Bancorp Inc.'s Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported $322M in total assets and 1,838 participants in its 2023 DOL Form 5500 filing, ranking in the 96th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

96th percentile by assets (of 127,072 plans)
#8,334 in Finance & Insurance (8,869 peers)

Coverage in New York

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan covers 1,838 participants in New York, 2.3x the typical New York plan (state average ~798 per filing). Assets: $322M.

$322M
total plan assets (2023 EOY): 1,838
covered participants: 96th
percentile by assets (of 127,072 plans): $174,976
avg assets per participant

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported net income rose from -$43M in the plan year 2022 filing to $46M in the plan year 2023 filing.
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan end-of-year assets rose from $275M in the plan year 2022 filing to $322M in the plan year 2023 filing.
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported participants rose from 1,777 in the plan year 2022 filing to 1,838 in the plan year 2023 filing.

See the national 2022→2023 release diff →

State

New York

Industry

Finance & Insurance

Participants vs New York filers

In New York, the average filing covers about 798 participants across 9,061 plans. Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reports 1,838 participants - 2.3x that state average ($322M EOY assets).

New York filing particulars

Total Assets (Beginning of Year)	$275M
Net Assets (End of Year)	$321M
Net Income	$46M
Employer EIN	161268674
Plan Effective Date	1979-01-01
Filing Status	FILING RECEIVED

Sponsor Plan History (Nbt Bancorp Inc.)

Total plan assets by year, all Nbt Bancorp Inc. plans on file

Year	Plans	Participants	Total Assets
2022	2	3,368	$388M
2023	2	3,453	$443M
2024	2	3,828	$492M

Nearby 401(k) Plans in New York

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants

IBM 401 (K) Plus Plan $57.4B · 54,912
Pfizer Savings Plan $19.6B · 30,033
Morgan Stanley 401(k) Plan $19.2B · 55,363
The Pepsico Savings Plan $13.7B · 133,597
The Goldman Sachs 401(k) Plan $11.4B · 24,866

Compare Nbt Bancorp Inc. 401(k) & Employee Stock… side-by-side with 3 peers →

Similar-Sized 401(k) Plans Nationally

401(k) plans in other states closest to Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan by total assets, not by location.

Rli Corp 401(k) Plan (IL) $321M · 980
Follett Retirement Savings Plan (IL) $321M · 5,572
The Havi Group Limited Partnership Profit Sharing and Savings Plan (IL) $321M · 974
Ryan, LLC Employees 401(k) Profit Sharing Plan & Trust (TX) $322M · 2,522

Frequently Asked Questions

How did Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan assets move in 2023? ▼

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan grew sharply - up 16.9% during 2023, from $275M to $322M. Reported net income was $46M.

How have Nbt Bancorp Inc. plan assets changed over time? ▼

Across 3 plan years on file (2022-2024), Nbt Bancorp Inc.'s sponsor-wide assets grew 26.5%, from $388M to $492M.

Where does Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan rank by assets among Form 5500 filers? ▼

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan ranks in the 96th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (in the top 5% of all filed plans by assets).

Which 401(k) plans are similar in size to Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan? ▼

Among 401(k) plans in other states, the closest by assets is Rli Corp 401(k) Plan in IL ($321M, 980 participants).

Next read for Nbt Bancorp Inc. 401(k) & Employee Stock…

Filing takeaways

Ways to act on Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's numbers.

By total assets, Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan ranks in the top 5% of all filed plans by assets. See the largest plans
Compare it side-by-side against 3 similar 401(k) plans in New York. Compare plans
Nbt Bancorp Inc.'s sponsor-wide assets have grown 26.5% since 2022 across 3 plan years on file. More Finance & Insurance plans

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 161268674.