401(k) · DOL Form 5500 · 2023

Nbt Bancorp Inc. 401(k) Plan

Data updated 2026-08-25

$322M
Total assets Above avg plan size
1,838
Participants Near avg headcount
96th
Percentile by assets National rank
$174,976
Avg per participant Above avg balance/head
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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.

  • #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.

#8,334
in Finance & Insurance (8,869 peers)
+16.9%
assets growth YoY
3.2×
vs typical plan assets (national mean)

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's outsized position by total assets

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan vs every filed plan by assets

End-of-year total assets · plan year 2023 · DOL Form 5500

$321,605,789 Top 4% higher than 96% of 127,068 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2023

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's large-plan peer group by participant headcount

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan lands in the large band (1,838 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • 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 →

EBSA filing schedule strip

Filing strip 161268674 · Nbt Bancorp Inc. PY 2023 · 401(k)

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan · $322M · 1,838 · 96th

  • BOOK $322M
  • VS-ST 1,838
  • BOY 96th
  • SCH 401(k)
  • EBSA near Rli Corp 401(k) Plan
  • PART ind #8334

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in New York →

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan in the asset neighbourhood

Ryan, LLC Employees 401(k) Profit Sharing Plan & TrustRyan, LLC Employees 401(k) P…$322MNbt Bancorp Inc. 401(k) & Employee Stock Ownership PlanNbt Bancorp Inc. 401(k) & Em…$322MRli Corp 401(k) Plan$321MFollett Retirement Savings PlanFollett Retirement Savings P…$321MThe Havi Group Limited Partnership Profit Sharing and Savings PlanThe Havi Group Limited Partn…$321M
End-of-year total assets ($M) among Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2023.

New York filing particulars

Total Assets (Beginning of Year)$275M
Net Assets (End of Year)$321M
Net Income$46M
Employer EIN161268674
Plan Effective Date1979-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Nbt Bancorp Inc.)

Sponsor-wide plan assets over time

All Nbt Bancorp Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$492M 26.54972165024275% vs 2022
2024 filing year
$350M$400M$450M$500M$550M 202220232024 $388M $492M ▲ +26.5%
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 Scatter plot of 6 data points. -50000050000100000150000 -20020406080 Total assets ($B) Participants Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan, Total assets ($B): 0.321605789 · Participants: 1838Nbt Bancorp Inc. 401(k) & Employee Stock Ownership PlanIBM 401 (K) Plus Plan, Total assets ($B): 57.428456306 · Participants: 54912IBM 401 (K) Plus PlanPfizer Savings Plan, Total assets ($B): 19.56134085 · Participants: 30033Pfizer Savings PlanMorgan Stanley 401(k) Plan, Total assets ($B): 19.235068266 · Participants: 55363Morgan Stanley 401(k) PlanThe Pepsico Savings Plan, Total assets ($B): 13.651296 · Participants: 133597The Pepsico Savings PlanThe Goldman Sachs 401(k) Plan, Total assets ($B): 11.428659742 · Participants: 24866The Goldman Sachs 401(k) Plan
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan vs. nearby 401(k) plans in New York, assets vs. participants
Compare Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan side-by-side with 3 peers →

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan's out-of-state 401(k) peers by assets and headcount

Outside New York, the nearest 401(k) by assets is Rli Corp 401(k) Plan in IL ($321M); by covered participants it is M S International, Inc. 401(k) Profit Sharing Plan in CA (1,838 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($322M here).

Similar participant headcount

Nearest other-state filings by covered participants (1,838 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

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).
Which 401(k) plans cover a similar participant headcount to Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is M S International, Inc. 401(k) Profit Sharing Plan in CA (1,838 participants, $80M in assets).

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.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.