NBT BANCORP INC. DEFINED BENEFIT PENSION PLAN

What the Filing Says About NBT BANCORP INC. DEFINED BENEFIT PENSION PLAN

NBT BANCORP INC. DEFINED BENEFIT PENSION PLAN is a Defined Benefit (Pension) retirement plan sponsored by NBT BANCORP INC., headquartered in New York. As of the 2024 Form 5500 filing, the plan reports $125M in total end-of-year assets and covers 1,814 participants across the Finance & Insurance industry. The sponsor's EIN on file with the U.S. Department of Labor is 161268674, and the plan has been effective since 1945-05-09. Its filing status is currently FILING RECEIVED.

Year over year, total assets moved from $121M at the beginning of 2024 to $125M at year-end — a gain of 3.2%. Net assets (after liabilities) closed the year at $125M, with reported net income of $4M driven by investment returns, contributions received, and benefit payments during the period. These figures reflect what the plan administrator certified on Schedule H or Schedule I of the Form 5500 annual return and can be compared against 2 prior plan-year filings from the same sponsor shown below.

Asset totals and participant counts reflect a single plan year snapshot and can change materially with market conditions, plan mergers, or workforce changes. Fields such as "net income" include both realized investment performance and contribution/distribution flows — a single-year figure does not by itself indicate plan health or participant outcomes. This page summarizes public DOL disclosures for research and educational purposes only and is not retirement, tax, legal, or financial advice. Before making decisions about your own retirement benefits or evaluating an employer's plan, verify the underlying filing directly via the DOL EFAST2 system and consult a qualified professional.