NBTB insider purchase reported; direct holdings now 51,885 shares

Rhea-AI Filing Summary

NBT Bancorp (NBTB) insider activity: Director Timothy E. Delaney reported open‑market purchases of NBT Bancorp Inc. common stock on 11/06/2025. He bought 7,500 shares at $41.00 and 2,500 shares at $40.90. Following these trades, his directly held shares increased to 51,885. He also reports 8.987 shares held indirectly, listed as spouse as custodian.

Insider Trade Summary

Net Buyer: 10,000 shares ($409,750)

Net Buy 3 txns

Insider DELANEY TIMOTHY E

Role Director

Bought 10,000 shs ($410K)

Type	Security	Shares	Price	Value
Purchase	NBT Bancorp Inc. Common Stock	7,500	$41.00	$308K
Purchase	NBT Bancorp Inc. Common Stock	2,500	$40.90	$102K
holding	NBT Bancorp Inc. Common Stock	--	--	--

Holdings After Transaction: NBT Bancorp Inc. Common Stock — 49,385 shares (Direct); NBT Bancorp Inc. Common Stock — 8.987 shares (Indirect, Spouse as custodian)

Footnotes (1)

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^*

DELANEY TIMOTHY E

(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)
11/06/2025

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	11/06/2025		P		7,500	A	$41	49,385	D
NBT Bancorp Inc. Common Stock	11/06/2025		P		2,500	A	$40.9	51,885	D
NBT Bancorp Inc. Common Stock								8.987	I	Spouse as custodian

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: Timothy E. Delaney	11/07/2025
	** 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

What did NBTB’s director buy and at what prices?

On 11/06/2025, the director purchased 7,500 shares at $41.00 and 2,500 shares at $40.90 of NBT Bancorp Inc. common stock.

How many NBTB shares does the insider hold after the transactions?

Direct beneficial ownership is 51,885 shares following the reported purchases.

Were any NBTB shares reported as indirectly owned?

Yes. The filing lists 8.987 shares as indirectly owned, described as spouse as custodian.

What SEC form was filed for this insider transaction for NBTB?

A Form 4 was filed to report the changes in beneficial ownership.

What is the insider’s relationship to NBT Bancorp (NBTB)?

The reporting person is a Director of NBT Bancorp Inc.

Were these NBTB transactions open-market purchases?

Yes. The transaction code is P, which indicates open‑market or private purchase of non-derivative securities.