NBT Bancorp (NBTB) Chief Risk Officer discloses Form 3 share holdings

Rhea-AI Filing Summary

NBT Bancorp Inc. executive Joseph P. Sergienko, the Chief Risk Officer, filed a Form 3 showing his existing ownership of the company’s common stock. He reports direct ownership of 2,863 shares of NBT Bancorp Inc. Common Stock and indirect ownership of 123.323 shares through a 401k plan. The filing lists these positions as holdings rather than new purchases or sales, so it primarily establishes his baseline stake as an officer of the company.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Sergienko Joseph P

Role Chief Risk Officer

Type	Security	Shares	Price	Value
holding	NBT Bancorp Inc. Common Stock	--	--	--
holding	NBT Bancorp Inc. Common Stock	--	--	--

Holdings After Transaction: NBT Bancorp Inc. Common Stock — 123.323 shares (Indirect, 401k); NBT Bancorp Inc. Common Stock — 2,863 shares (Direct, null)

Footnotes (1)

Key Figures

Direct common shares: 2,863 shares Indirect 401k shares: 123.323 shares Holding entries: 2 entries +1 more

4 metrics

Direct common shares 2,863 shares Direct ownership reported on Form 3

Indirect 401k shares 123.323 shares Indirect ownership through 401k plan

Holding entries 2 entries Number of holding lines reported

Unknown transaction records 2 transactions Classified with unknown transaction code

Key Terms

Form 3, beneficial ownership, 401k, indirect ownership, +1 more

5 terms

Form 3 regulatory

"filed a Form 3 showing his existing ownership of the company’s common stock"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

beneficial ownership financial

"establishing his baseline beneficial ownership as an executive"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

401k financial

"indirect ownership of 123.323 shares through a 401k plan"

An employer-sponsored retirement savings plan in the United States that lets workers set aside part of their paycheck into investments with tax advantages; some plans also include employer matching contributions, which is like free money added to your savings. It matters to investors because 401(k) balances represent a large pool of household retirement assets that influence personal financial security, investor behavior, and long-term demand for stocks and bonds.

indirect ownership financial

"indirect ownership of 123.323 shares of NBT Bancorp Inc. Common Stock"

Chief Risk Officer financial

"Joseph P. Sergienko, the Chief Risk Officer, filed a Form 3"

The chief risk officer is the senior executive responsible for identifying, measuring and reducing the major threats that could hurt a company’s finances or reputation, acting like a navigator who watches for storms and steers the business away from them. Investors care because effective risk oversight lowers the chance of surprise losses, legal fines or operational failures, which helps protect shareholder value and makes a company more predictable and trustworthy.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Sergienko Joseph P

(Last) (First) (Middle)

52 SOUTH BROAD STREET

(Street)

NORWICH NEW YORK 13815

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
06/01/2026

3. Issuer Name and Ticker or Trading Symbol
NBT BANCORP INC [ NBTB ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Risk Officer

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
NBT Bancorp Inc. Common Stock	123.323	I	401k
NBT Bancorp Inc. Common Stock	2,863	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	By: Annette L. Burns, Power of Attorney For: Joseph P. Sergienko	06/08/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does NBTB Chief Risk Officer Joseph Sergienko report on this Form 3?

He reports his existing ownership of NBT Bancorp Inc. common stock. The filing shows 2,863 shares held directly and 123.323 shares held indirectly through a 401k plan, establishing his baseline beneficial ownership as an executive.

How many NBT Bancorp (NBTB) shares does Joseph Sergienko hold directly?

He holds 2,863 shares of NBT Bancorp Inc. Common Stock directly. This direct ownership reflects shares registered in his own name, separate from any retirement or indirect accounts noted elsewhere in the filing.

What indirect NBTB holdings does Joseph Sergienko disclose on Form 3?

He discloses indirect ownership of 123.323 shares of NBT Bancorp Inc. Common Stock. These shares are held through a 401k plan, meaning they are part of an employer-sponsored retirement account rather than directly registered to him.

Does this NBTB Form 3 show any recent insider buying or selling?

No specific buy or sell transactions are identified in this Form 3. The entries are classified as holdings, with transaction codes unknown and transaction share amounts not listed, indicating the form is focused on reporting existing positions.

What role does Joseph Sergienko hold at NBT Bancorp (NBTB)?

He serves as Chief Risk Officer at NBT Bancorp Inc. This executive role oversees the company’s risk management framework, and the Form 3 discloses his beneficial ownership in the company’s common stock as an officer.