401(k) · DOL Form 5500 · 2024

Nbt Bancorp Inc. 401(k) Plan

Data updated 2026-08-06

$366M
Total assets: 2,014
Participants: 96th
Percentile by assets: $181,969
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

$366M in assets, 2,014 participants

Nbt Bancorp Inc.'s Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported $366M in total assets and 2,014 participants in its 2024 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 116,472 plans)
#7,744 in Finance & Insurance (8,240 peers)

Coverage in New York

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan covers 2,014 participants in New York, 2.5x the typical New York plan (state average ~795 per filing). Assets: $366M.

$366M
total plan assets (2024 EOY): 2,014
covered participants: 96th
percentile by assets (of 116,472 plans): $181,969
avg assets per participant

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan end-of-year assets rose from $322M in the plan year 2023 filing to $366M in the plan year 2024 filing.
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported participants rose from 1,838 in the plan year 2023 filing to 2,014 in the plan year 2024 filing.
Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reported net income fell from $46M in the plan year 2023 filing to $46M in the plan year 2024 filing.

See the national 2023→2024 release diff →

State

New York

Industry

Finance & Insurance

Participants vs New York filers

In New York, the average filing covers about 795 participants across 8,491 plans. Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan reports 2,014 participants - 2.5x that state average ($366M EOY assets).

New York filing particulars

Total Assets (Beginning of Year)	$322M
Net Assets (End of Year)	$366M
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) Plan $60.4B · 52,674
Morgan Stanley 401(k) Plan $22.2B · 53,860
Pfizer Savings Plan $22.0B · 33,309
The Pepsico Savings Plan $14.9B · 137,398
The Goldman Sachs 401(k) Plan $12.8B · 23,227

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.

Roush 401(k) Profit Sharing Plan (MI) $367M · 4,543
Cambridge Associates, LLC 401(k) Savings Plan & Trust (MA) $366M · 1,155
Bpx Energy Employee Savings Plan (TX) $366M · 936
Sunrun Inc. 401(k) Plan (CA) $366M · 8,215

Frequently Asked Questions

How did Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan assets move in 2024? ▼

Nbt Bancorp Inc. 401(k) & Employee Stock Ownership Plan grew at a solid clip - up 14.0% during 2024, from $322M to $366M. 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 116,472 plans that reported assets for plan year 2024 (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 Roush 401(k) Profit Sharing Plan in MI ($367M, 4,543 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 2024.

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