NBT Bancorp EVP covers taxes with share withholding

Q: Who is the insider reporting this Form 4 for NBTB?

The reporting person is Ruth H. Mahoney, who serves as EVP/President of Wealth Mgmt at NBT Bancorp Inc..

Q: What transactions did Ruth Mahoney report in NBT Bancorp (NBTB) stock?

On January 15, 2026, she reported four "F"-coded transactions in NBT Bancorp Inc. common stock, disposing of 227, 228, 244 and 243 shares at $43.71 per share.

Q: What indirect holdings in NBT Bancorp (NBTB) does Ruth Mahoney report?

She indirectly held 3,495.563 shares of NBT Bancorp Inc. common stock through a 401(k) and reported 9,287.828 phantom stock units tied to NBT Bancorp Inc. common stock.

Q: Is Ruth Mahoney’s ownership in NBT Bancorp (NBTB) direct or indirect?

Her reported holdings include both direct ownership (16,661.142 shares) and indirect ownership via a 401(k) (3,495.563 shares), plus phantom stock units under a deferred compensation plan.

NBT Bancorp Inc. EVP/President of Wealth Mgmt Ruth H. Mahoney reported several changes in her holdings of NBT Bancorp Inc. common stock.

Filing Impact

(Neutral)

Filing Sentiment

(Negative)

Form Type

Rhea-AI Filing Summary

NBT Bancorp Inc. EVP/President of Wealth Mgmt Ruth H. Mahoney reported several changes in her holdings of NBT Bancorp Inc. common stock. On January 15, 2026, she recorded four transactions coded "F" disposing of 227, 228, 244 and 243 shares at a price of $43.71 per share.

After these transactions, Mahoney directly beneficially owned 16,661.142 shares of NBT Bancorp Inc. common stock. She also indirectly held 3,495.563 shares through a 401(k) plan and had 9,287.828 phantom stock units, each deemed invested in one share of NBT Bancorp Inc. common stock under the Deferred Compensation Plan.

Insider Trade Summary

Exercise Price or Tax Liability: 942 shares

Exercise Price or Tax Liability 6 txns

Insider Mahoney Ruth H

Role EVP/President of Wealth Mgmt

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	NBT Bancorp Inc. Common Stock	227	$43.71	$10K
Exercise Price or Tax Liability	NBT Bancorp Inc. Common Stock	228	$43.71	$10K
Exercise Price or Tax Liability	NBT Bancorp Inc. Common Stock	244	$43.71	$11K
Exercise Price or Tax Liability	NBT Bancorp Inc. Common Stock	243	$43.71	$11K
holding	Phantom Stock	--	--	--
holding	NBT Bancorp Inc. Common Stock	--	--	--

Holdings After Transaction: NBT Bancorp Inc. Common Stock — 16,661.142 shares (Direct); Phantom Stock — 9,287.828 contracts (Direct); NBT Bancorp Inc. Common Stock — 3,495.563 shares (Indirect, 401k)

Footnotes (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.

FAQ

Who is the insider reporting this Form 4 for NBTB?

The reporting person is Ruth H. Mahoney, who serves as EVP/President of Wealth Mgmt at NBT Bancorp Inc..

What transactions did Ruth Mahoney report in NBT Bancorp (NBTB) stock?

On January 15, 2026, she reported four "F"-coded transactions in NBT Bancorp Inc. common stock, disposing of 227, 228, 244 and 243 shares at $43.71 per share.

How many NBT Bancorp (NBTB) shares does Ruth Mahoney own after the reported transactions?

Following the reported transactions, she directly beneficially owned 16,661.142 shares of NBT Bancorp Inc. common stock.

What indirect holdings in NBT Bancorp (NBTB) does Ruth Mahoney report?

She indirectly held 3,495.563 shares of NBT Bancorp Inc. common stock through a 401(k) and reported 9,287.828 phantom stock units tied to NBT Bancorp Inc. common stock.

What does the phantom stock in Ruth Mahoney’s NBTB Form 4 represent?

Each share of phantom stock is deemed invested in one share of NBT Bancorp Inc. common stock under the company’s Deferred Compensation Plan.

Is Ruth Mahoney’s ownership in NBT Bancorp (NBTB) direct or indirect?

Her reported holdings include both direct ownership (16,661.142 shares) and indirect ownership via a 401(k) (3,495.563 shares), plus phantom stock units under a deferred compensation plan.

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Accepted by SEC EDGAR 01/16/2026 - 03:51 PM

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

13815

(City)

(State)

(Zip)

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

3. Date of Earliest Transaction (Month/Day/Year)
01/15/2026

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

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 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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
NBT Bancorp Inc. Common Stock	01/15/2026		F		227	D	$43.71	17,376.142	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		228	D	$43.71	17,148.142	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		244	D	$43.71	16,904.142	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		243	D	$43.71	16,661.142	D
NBT Bancorp Inc. Common Stock								3,495.563	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Phantom Stock	⁽¹⁾							⁽¹⁾	⁽¹⁾	NBT Bancorp Inc. Common Stock	9,287.828		9,287.828	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	01/16/2026
	** 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.

Source: View Original Filing on SEC EDGAR