[Form 4] NBT Bancorp Inc Insider Trading Activity

Rhea-AI Filing Summary

SEC Form 4 recap for NBT Bancorp Inc. (NBTB)

Director John H. Watt Jr. reported 17 same-day transactions on 08/01/2025, all coded “F” (Instr. 8). At a fixed price of $40.56 per share, he disposed of 42,067 common shares. His direct holdings fell from 114,898 shares after the first transaction to 73,960 shares after the final entry. No derivative securities, indirect ownership, or additional transaction types were disclosed.

The filing is limited to these routine share disposals; no information on company operations, earnings, or forward-looking statements is included.

Positive

• None.

Negative

• Director reduced directly held shares by 42,067, lowering stake to 73,960 shares.

Insights

Equity Analyst

TL;DR – Large insider share disposal; routine tax-related code, limited market signal.

The 42,067-share reduction represents roughly one-third of Mr. Watt’s directly held stake, but the sole use of transaction code “F” indicates a non-open-market disposition, typically linked to tax withholding upon vesting of equity awards. The absence of open-market sales, derivatives, or indirect holdings tempers any negative interpretation. Given NBTB’s average daily volume, the disposal is unlikely to create trading pressure. Overall, the filing is routine and carries low informational value for investors.

Corporate Governance Specialist

TL;DR – Neutral governance impact; disclosure fulfills Section 16 obligations.

Management continues to provide timely insider-transaction transparency. Multiple small entries suggest administrative batch processing rather than strategic selling. Post-transaction ownership of 73,960 shares still aligns the director’s interests with shareholders. No red flags regarding compliance or insider confidence emerge from this filing.

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^*

WATT JOHN H JR

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
08/01/2025

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	08/01/2025		F		1,129	D	$40.56	114,898	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		2,461	D	$40.56	112,437	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		965	D	$40.56	111,472	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		877	D	$40.56	110,595	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		4,500	D	$40.56	106,095	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		1,084	D	$40.56	105,011	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		839	D	$40.56	104,172	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		1,645	D	$40.56	102,527	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		1,084	D	$40.56	101,443	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		2,015	D	$40.56	99,428	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		6,506	D	$40.56	92,922	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		2,015	D	$40.56	90,907	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		4,958	D	$40.56	85,949	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		4,048	D	$40.56	81,901	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		2,015	D	$40.56	79,886	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		935	D	$40.56	78,951	D
NBT Bancorp Inc. Common Stock	08/01/2025		F		4,991	D	$40.56	73,960	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:

	By: Annette L. Burns, Power of Attorney For: John H. Watt, Jr.	08/04/2025
	** 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

How many NBTB shares did John H. Watt Jr. dispose of on 08/01/2025?

He disposed of 42,067 common shares according to the Form 4.

What transaction code was used in the NBTB Form 4?

All entries used code “F”, indicating a non-open-market disposition under Instruction 8.

What is John H. Watt Jr.’s remaining NBTB shareholding after the transactions?

He now directly owns 73,960 common shares.

Did the Form 4 report any derivative security activity?

No. Table II lists no derivative securities acquired or disposed of.

Does this filing indicate any upcoming changes to NBT Bancorp’s operations or earnings?

No operational or earnings details are provided; the filing only discloses insider share movements.