NBT Bancorp EVP sells 4,500.0000 shares of stock

EVP/President of Wealth Mgmt Ruth H. Mahoney of NBT Bancorp Inc. reported selling 4,500.0000 shares of NBT Bancorp Inc. common stock on 2026-07-29 at $54.3000 per share, leaving 11,927.5420 shares held directly.

Rhea-AI Filing Summary

EVP/President of Wealth Mgmt Ruth H. Mahoney of NBT Bancorp Inc. reported selling 4,500.0000 shares of NBT Bancorp Inc. common stock on 2026-07-29 at $54.3000 per share, leaving 11,927.5420 shares held directly. She also reports direct holdings of phantom stock deemed invested in 10,249.1980 underlying common shares under a Deferred Compensation Plan, and indirect ownership of 4,720.6890 common shares through a 401k plan.

Insider Trade Summary

Net Seller: 4,500 shares

Net Sell 3 txns

Insider Mahoney Ruth H

Role EVP/President of Wealth Mgmt

Sold 4,500 shs ($244K)

Type	Security	Shares	Price	Value
Sale	NBT Bancorp Inc. Common Stock	4,500	$54.30	$244K
holding	Phantom Stock F1	--	--	--
holding	NBT Bancorp Inc. Common Stock	--	--	--

Holdings After Transaction: NBT Bancorp Inc. Common Stock — 11,927.542 shares (Direct); Phantom Stock — 10,249.198 contracts (Direct); NBT Bancorp Inc. Common Stock — 4,720.689 shares (Indirect, 401k)

Footnotes (1)

1. F1. Each share of phantom stock is deemed invested in one share of NBT Bancorp Inc. common stock pursuant to the terms of the Deferred Compensation Plan.

Key Figures

Shares sold: 4,500.0000 shares Sale price per share: $54.3000 Direct common shares after sale: 11,927.5420 shares +2 more

5 metrics

Shares sold 4,500.0000 shares Common stock sale on 2026-07-29 by Ruth H. Mahoney

Sale price per share $54.3000 Price for 4,500.0000 common shares sold on 2026-07-29

Direct common shares after sale 11,927.5420 shares Direct NBT Bancorp Inc. common stock holdings following the reported sale

Underlying shares in phantom stock 10,249.1980 shares Underlying NBT Bancorp Inc. common stock linked to phantom stock units

Indirect 401k shares 4,720.6890 shares Indirect NBT Bancorp Inc. common stock ownership through a 401k plan

Key Terms

Phantom Stock, Deferred Compensation Plan, 401k

3 terms

Phantom Stock financial

"Each share of phantom stock is deemed invested in one share"

A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.

Deferred Compensation Plan financial

"pursuant to the terms of the Deferred Compensation Plan"

A deferred compensation plan is an arrangement where an employer agrees to pay part of an employee’s pay or bonus at a later date instead of immediately, often to reduce current tax bills or to tie rewards to long-term performance. For investors it matters because these promises create future cash obligations and influence executive incentives and retention; they can affect a company’s reported liabilities, cash flow planning and the risk profile if the business faces financial trouble.

401k financial

"Indirect ownership of common stock 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.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did NBT Bancorp (NBTB) report for Ruth H. Mahoney?

NBT Bancorp reported that EVP/President of Wealth Mgmt Ruth H. Mahoney sold 4,500.0000 shares of NBT Bancorp Inc. common stock. The sale occurred on 2026-07-29 at a price of $54.3000 per share in an open-market or private transaction.

What are Ruth H. Mahoney’s direct NBTB share holdings after the reported sale?

After the sale, Ruth H. Mahoney directly holds 11,927.5420 shares of NBT Bancorp Inc. common stock. This figure reflects her remaining direct ownership position following the 4,500.0000-share disposition reported for the transaction dated 2026-07-29.

How many NBTB-related phantom stock underlying shares does Ruth H. Mahoney hold?

Ruth H. Mahoney holds phantom stock deemed invested in 10,249.1980 underlying shares of NBT Bancorp Inc. common stock. These phantom stock units are maintained under a Deferred Compensation Plan and represent an additional, non-traditional equity-linked interest.

What indirect NBTB share ownership does Ruth H. Mahoney report through her 401k?

Ruth H. Mahoney reports indirect ownership of 4,720.6890 shares of NBT Bancorp Inc. common stock through a 401k plan. These shares are classified as indirect because they are held within a retirement account rather than in her direct brokerage holdings.

Was the reported NBTB insider sale by Ruth H. Mahoney under a Rule 10b5-1 plan?

The filing’s Rule 10b5-1 checkbox is not marked as affirmative, and there is no footnote stating the sale was under a trading plan. The transaction is therefore reported without any identified pre-arranged Rule 10b5-1 trading arrangement in this document.

What type of security is the phantom stock reported by NBTB’s Ruth H. Mahoney?

The phantom stock is described as phantom stock deemed invested in one share of NBT Bancorp Inc. common stock per unit. It exists under a Deferred Compensation Plan, providing equity-linked value without representing actual issued common shares.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 07/30/2026 - 02:48 PM Accepted by SEC EDGAR 07/30/2026 - 02:45 PM Learn about SEC filing dates

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^*

Mahoney Ruth H

(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/President of Wealth Mgmt

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/29/2026

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	07/29/2026		S		4,500	D	$54.3	11,927.542	D
NBT Bancorp Inc. Common Stock								4,720.689	I	401k

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
Phantom Stock	(1)							(1)	(1)	NBT Bancorp Inc. Common Stock	10,249.198		10,249.198	D

Explanation of Responses:

1. Each share of phantom stock is deemed invested in one share of NBT Bancorp Inc. common stock pursuant to the terms of the Deferred Compensation Plan.

	By: Annette L. Burns, Power of Attorney For: Ruth H. Mahoney	07/30/2026
	** 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)