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NBT Bancorp Inc. is a financial holding company headquartered in Norwich, N.Y. The company primarily operates through NBT Bank, N.A., a full-service community bank with three divisions, and through two financial services companies. NBT Bank, N.A. has offices in upstate New York, northwestern Vermont and western Massachusetts. It operates in northeastern Pennsylvania as Pennstar Bank and in southern New Hampshire as Hampshire First Bank. EPIC Advisors, Inc., based in Rochester, N.Y., is a full-service 401(k) plan recordkeeping firm. Mang Insurance Agency, LLC, based in Norwich, N.Y., is a full-service insurance agency. As a community-oriented financial institution, the Company provides services to retail, commercial and municipal customers. Through its subsidiaries, the Company provides insurance, retirement plan administration and trust administration services.