STOCK TITAN

Director at NBT Bancorp (NASDAQ: NBTB) receives 1,050-share equity grant and reports phantom stock

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Kowalczyk Andrew S III reported acquisition or exercise transactions in this Form 4 filing.

NBT Bancorp Inc. director Andrew S. Kowalczyk III reported a compensation-related equity grant. He received 1,050 shares of NBT Bancorp Inc. common stock at $0.00 per share as a grant or award under the company’s 2024 Omnibus Incentive Plan, in the form of restricted stock units that vest in one year. Following this grant, he directly holds 13,641.843 shares of common stock. The filing also shows phantom stock credited under the Deferred Compensation Plan, tied to 6,598.494 underlying shares of NBT Bancorp Inc. common stock, reflecting deferred, cash-settled exposure rather than additional tradable shares.

Positive

  • None.

Negative

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Insider Kowalczyk Andrew S III
Role null
Type Security Shares Price Value
Grant/Award NBT Bancorp Inc. Common Stock 1,050 $0.00 --
holding Phantom Stock -- -- --
Holdings After Transaction: NBT Bancorp Inc. Common Stock — 13,641.843 shares (Direct, null); Phantom Stock — 6,598.494 shares (Direct, null)
Footnotes (1)
  1. Acquired pursuant to the NBT Bancorp Inc. 2024 Omnibus Incentive Plan. Each outside director is entitled to receive an annual retainer for Board service in the form of restricted stock units of the Company's common stock that vest in one year. 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.
Equity grant size 1,050 shares Restricted stock unit award at $0.00 per share
Post-grant common shares held 13,641.843 shares Director’s direct NBT Bancorp Inc. common stock holdings after grant
Phantom stock underlying shares 6,598.494 shares Underlying NBT Bancorp Inc. common stock equivalent in Deferred Compensation Plan
Grant price per share $0.00 per share Compensation-related restricted stock unit grant to outside director
Transaction code A Grant, award, or other acquisition classification on Form 4
Phantom Stock financial
"The filing also shows phantom stock credited under the Deferred Compensation Plan"
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
"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"
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.
restricted stock units financial
"Each outside director is entitled to receive an annual retainer for Board service in the form of restricted stock units of the Company's common stock that vest in one year"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
2024 Omnibus Incentive Plan financial
"Acquired pursuant to the NBT Bancorp Inc. 2024 Omnibus Incentive Plan"
SEC Form 4
FORM 4UNITED 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*
Kowalczyk Andrew S III

(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)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/19/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
NBT Bancorp Inc. Common Stock05/19/2026A1,050(1)A$0.013,641.843D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock(2) (2) (2)NBT Bancorp Inc. Common Stock6,598.4946,598.494D
Explanation of Responses:
1. Acquired pursuant to the NBT Bancorp Inc. 2024 Omnibus Incentive Plan. Each outside director is entitled to receive an annual retainer for Board service in the form of restricted stock units of the Company's common stock that vest in one year.
2. 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: Andrew S. Kowalczyk III05/21/2026
** Signature of Reporting PersonDate
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)

FAQ

What insider transaction did NBTB director Andrew S. Kowalczyk III report?

Andrew S. Kowalczyk III reported receiving a grant of 1,050 shares of NBT Bancorp Inc. common stock at $0.00 per share. The award is compensation-related, structured as restricted stock units granted under the company’s 2024 Omnibus Incentive Plan for outside directors.

How many NBTB common shares does the director hold after this Form 4?

After the reported grant, the director directly holds 13,641.843 shares of NBT Bancorp Inc. common stock. This figure comes from the post-transaction balance disclosed in the filing and reflects his direct ownership position following the 1,050-share equity award.

What is the nature of the 1,050-share award reported for NBTB?

The 1,050-share award is a grant of restricted stock units issued at $0.00 per share as director compensation. It was acquired under NBT Bancorp Inc.’s 2024 Omnibus Incentive Plan, with each outside director entitled to an annual retainer paid in such units vesting in one year.

What does the phantom stock position for NBTB’s director represent?

The phantom stock position represents deferred compensation linked to NBT Bancorp Inc. common stock. Each phantom stock unit is deemed invested in one share of common stock under the Deferred Compensation Plan, providing share-based economic exposure without creating additional tradable common shares for the director.

How many phantom stock units tied to NBTB stock are shown in the filing?

The filing shows phantom stock tied to 6,598.494 underlying shares of NBT Bancorp Inc. common stock. These units are part of a Deferred Compensation Plan, where each phantom stock unit is economically equivalent to one share of NBT Bancorp Inc. common stock under the plan’s terms.

Was the NBTB director’s 1,050-share transaction a market purchase or sale?

The 1,050-share transaction is neither a market purchase nor a sale. It is coded as an “A” transaction, indicating a grant, award, or other acquisition of shares as compensation, received at $0.00 per share rather than through open-market trading.