NBT Bancorp (NBTB) SEVP reports 1,427-share insider stock disposal trade

Rhea-AI Filing Summary

NBT Bancorp Inc. executive Joseph R. Stagliano, SEVP & President of NBT Bank, reported multiple non-derivative stock transactions dated January 15, 2026. The Form 4 shows five code F dispositions totaling 1,427 shares of NBT Bancorp Inc. common stock at a price of $43.71 per share.

After these transactions, he directly holds 78,963.154 shares of NBT Bancorp Inc. common stock. He also reports indirect ownership of 6,944.529 shares through a 401(k) plan and 1,954.176 shares through the NBT Bancorp ESOP. In addition, he holds 24,148.195 phantom stock units, each deemed invested in one share of NBT Bancorp Inc. common stock under a Deferred Compensation Plan.

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^*

Stagliano Joseph R

(Last) (First) (Middle)

52 SOUTH BROAD STREET

(Street)

NORWICH NY 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)
	SEVP & President of NBT Bank

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)
			Code	V	Amount	(A) or (D)	Price
NBT Bancorp Inc. Common Stock	01/15/2026		F		241	D	$43.71	80,149.154	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		305	D	$43.71	79,844.154	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		280	D	$43.71	79,564.154	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		338	D	$43.71	79,226.154	D
NBT Bancorp Inc. Common Stock	01/15/2026		F		263	D	$43.71	78,963.154	D
NBT Bancorp Inc. Common Stock								6,944.529	I	401k
NBT Bancorp Inc. Common Stock								1,954.176	I	NBT Bancorp ESOP

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	24,148.195		24,148.195	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: Joseph R. Stagliano	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.

FAQ

Who is the insider reporting this Form 4 for NBTB?

The reporting person is Joseph R. Stagliano, who serves as SEVP & President of NBT Bank, a subsidiary of NBT Bancorp Inc. (symbol NBTB).

What stock transactions did Joseph R. Stagliano report for NBTB on January 15, 2026?

On January 15, 2026, he reported five code F transactions in NBT Bancorp Inc. Common Stock, disposing of 241, 305, 280, 338, and 263 shares, all at a price of $43.71 per share.

How many NBT Bancorp shares does Joseph R. Stagliano own after the reported transactions?

Following the reported transactions, he directly owns 78,963.154 NBT Bancorp Inc. common shares. He also has indirect holdings of 6,944.529 shares in a 401k and 1,954.176 shares through the NBT Bancorp ESOP.

What does the phantom stock reported by Joseph R. Stagliano represent?

He reports 24,148.195 units of Phantom Stock. Each phantom stock unit is deemed invested in one share of NBT Bancorp Inc. common stock under the company’s Deferred Compensation Plan, as described in the footnote.

Are the reported NBT Bancorp holdings direct or indirect for Joseph R. Stagliano?

His 78,963.154 NBT Bancorp Inc. common shares and 24,148.195 phantom stock units are reported as direct ownership. The 6,944.529 shares in a 401k and 1,954.176 ESOP shares are reported as indirect ownership.

What is the transaction code used in this NBTB Form 4 and what does it signify?

The reported stock transactions use the transaction code F in Table I. This code identifies the type of transaction under the Form 4 instructions, and here it is applied to the listed dispositions of NBT Bancorp Inc. common stock at $43.71 per share.