NBT Bancorp (NBTB) CFO granted stock units, small share withholding for taxes

Rhea-AI Filing Summary

NBT Bancorp Inc. executive vice president and chief financial officer Annette L. Burns reported routine equity compensation activity in company stock. She received two grants totaling 3,275 and 234 shares of common stock at no cash cost, reflecting time-based and performance-based restricted stock unit awards.

To cover tax obligations related to vested awards, 21 and 65 shares were withheld at a price of $41.99 per share, described as payment of tax liability by delivering securities. After these transactions, she directly holds 24,078.673 shares of NBT Bancorp Inc. common stock.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Burns Annette L

Role EVP & Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	NBT Bancorp Inc. Common Stock	3,275	$0.00	--
Tax Withholding	NBT Bancorp Inc. Common Stock	21	$41.99	$881.79
Tax Withholding	NBT Bancorp Inc. Common Stock	65	$41.99	$3K
Grant/Award	NBT Bancorp Inc. Common Stock	234	$0.00	--

Holdings After Transaction: NBT Bancorp Inc. Common Stock — 24,164.673 shares (Direct)

Footnotes (1)

1. Pursuant to NBT Bancorp Inc. Omnibus Restricted Stock Unit Agreement the grant vests 20% annually. Earned restricted stock unit vested following the end of a three-year performance period.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Burns Annette L

(Last) (First) (Middle)

52 SOUTH BROAD STREET

(Street)

NORWICH NEW YORK 13815

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP & Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/23/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
NBT Bancorp Inc. Common Stock	03/23/2026		A		3,275(1)	A	$0	24,164.673	D
NBT Bancorp Inc. Common Stock	03/23/2026		F		21	D	$41.99	24,143.673	D
NBT Bancorp Inc. Common Stock	03/23/2026		F		65	D	$41.99	24,078.673	D
NBT Bancorp Inc. Common Stock	03/23/2026		A		234(2)	A	$0	24,312.673	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Pursuant to NBT Bancorp Inc. Omnibus Restricted Stock Unit Agreement the grant vests 20% annually.

2. Earned restricted stock unit vested following the end of a three-year performance period.

	/s/ Annette L. Burns	03/25/2026
	** 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 4 (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 4: SEC 1474 (03-26)

FAQ

What did NBT Bancorp (NBTB) CFO Annette Burns report in this Form 4?

Annette L. Burns reported routine equity compensation activity. She received two grants of NBT Bancorp common stock and had a small number of shares withheld to satisfy tax obligations tied to vested restricted stock unit awards.

How many NBT Bancorp shares were granted to the CFO in this filing?

The CFO received grants of 3,275 and 234 shares of NBT Bancorp Inc. common stock. These awards were reported with a zero purchase price, consistent with stock-based compensation granted under the company’s restricted stock unit programs.

Why were some NBT Bancorp (NBTB) shares disposed of in this Form 4?

The Form 4 shows dispositions of 21 and 65 shares classified as tax-withholding transactions. These shares were withheld at $41.99 per share to pay tax liabilities arising from the vesting of restricted stock unit awards, not open-market sales.

How many NBT Bancorp shares does the CFO own after these transactions?

Following the reported grants and tax-withholding dispositions, Annette L. Burns directly owns 24,078.673 shares of NBT Bancorp Inc. common stock. This figure reflects her updated direct ownership position after the compensation-related activity on the reported date.

What do the footnotes reveal about the NBT Bancorp equity awards?

One footnote states a restricted stock unit grant vests 20% annually under NBT Bancorp’s omnibus RSU agreement. Another explains that earned restricted stock units vested after a three-year performance period, indicating both time-based and performance-based components in the CFO’s equity compensation.

Were any NBT Bancorp shares bought or sold on the open market in this Form 4?

No open-market purchases or sales are reported. The transactions consist of stock grants at no cost to the CFO and share dispositions solely for tax withholding, which are administrative events rather than discretionary market trades in NBT Bancorp stock.