State Street reports 5.3% stake in NBT Bancorp

State Street Corporation reports beneficial ownership of NBT Bancorp Inc. common stock.

Rhea-AI Filing Summary

State Street Corporation reports beneficial ownership of NBT Bancorp Inc. common stock. It reports holding 2,731,491 shares beneficially owned, representing 5.3% of the common stock of NBT Bancorp Inc. as of the reporting date.

State Street has no sole voting or dispositive power over these shares. It reports shared voting power over 403,418 shares and shared dispositive power over 2,731,491 shares. The holdings are associated with several investment adviser subsidiaries, including SSGA Funds Management, Inc. and various State Street Global Advisors entities.

Key Figures

Beneficially owned shares: 2,731,491 shares Percent of class: 5.3% Shared voting power: 403,418 shares +3 more

6 metrics

Beneficially owned shares 2,731,491 shares Amount beneficially owned by State Street Corporation under Schedule 13G

Percent of class 5.3% Portion of NBT Bancorp Inc. common stock beneficially owned

Shared voting power 403,418 shares Shares over which State Street reports shared power to vote or direct the vote

Shared dispositive power 2,731,491 shares Shares over which State Street reports shared power to dispose or direct disposition

Sole voting power 0 shares Shares over which State Street reports sole power to vote

Sole dispositive power 0 shares Shares over which State Street reports sole power to dispose

Key Terms

beneficially owned, shared voting power, shared dispositive power, Investment Company Act of 1940, +2 more

6 terms

beneficially owned financial

"Item 4. | Ownership (a) | Amount beneficially owned: 2731491.00"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

shared voting power financial

"(ii) Shared power to vote or to direct the vote: 403,418"

Shared voting power occurs when two or more parties jointly have the right to vote or decide how a block of company shares is cast, like co-owners who must agree before moving a piece of furniture. Investors care because who controls voting rights affects board elections, major corporate decisions and takeover outcomes, and shared control can alter regulatory disclosures and the practical influence any holder has over a company’s direction and value.

shared dispositive power financial

"(iv) Shared power to dispose or to direct the disposition of: 2,731,491"

Investment Company Act of 1940 regulatory

"A listing of the shareholders of an investment company registered under the Investment Company Act of 1940"

A U.S. federal law that sets the rulebook for pooled investment vehicles such as mutual funds, exchange-traded funds and similar money managers, requiring them to register with regulators, disclose holdings and fees, limit conflicts of interest, and follow governance standards. It matters to investors because these protections and transparency rules act like a referee and scoreboard, helping people compare funds, trust that managers follow fair practices, and spot hidden costs or risks.

investment adviser (IA) financial

"SSGA FUNDS MANAGEMENT, INC. (IA);STATE STREET GLOBAL ADVISORS EUROPE LIMITED (IA)"

An investment adviser (IA) is a person or firm that provides personalized guidance on buying, selling, or holding investments and often manages client portfolios for a fee. Investors should care because an IA has a legal duty to act in the client's best interest—think of them as a navigator who plans and steers your financial journey—so their advice, fee structure and potential conflicts can directly affect returns and financial risk.

Schedule 13G regulatory

"Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many NBTB shares does State Street Corporation report owning on Schedule 13G?

State Street reports beneficial ownership of 2,731,491 NBT Bancorp Inc. (NBTB) common shares. These holdings represent a significant institutional stake disclosed under Schedule 13G rules for investors exceeding 5% of a class of registered equity securities.

What percentage of NBTB’s common stock does State Street Corporation hold?

State Street reports holding 5.3% of NBT Bancorp Inc.’s common stock. This level of ownership triggers a Schedule 13G filing, indicating a sizeable institutional position in the company’s equity securities.

Does State Street have sole or shared voting power over NBTB shares?

State Street reports no sole voting power and shared voting power over 403,418 NBTB shares. The remaining shares are beneficially owned with dispositive power but without sole voting authority, reflecting an institutional asset-management structure.

What dispositive powers does State Street report over NBTB common stock?

State Street reports no sole dispositive power and shared dispositive power over 2,731,491 NBTB shares. Shared dispositive power means affiliated entities can direct how those shares are sold or otherwise disposed of.

Which State Street affiliates are linked to the NBTB holdings?

The filing associates the NBTB holdings with SSGA Funds Management, Inc. and several State Street Global Advisors entities in the U.S. and Europe, each classified as an investment adviser (IA) managing client assets.

Is any other person reported as having rights to NBTB dividends or sale proceeds?

The filing states “NOT APPLICABLE” for ownership of more than 5% on behalf of another person. This indicates no single other party is identified as having rights to dividends or sale proceeds exceeding 5% of the class.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/07/2026 - 10:16 AM Accepted by SEC EDGAR 08/07/2026 - 10:15 AM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

NBT BANCORP INC

(Name of Issuer)

COMMON STOCK

(Title of Class of Securities)

628778102

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 628778102

1

Names of Reporting Persons

STATE STREET CORPORATION

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

MASSACHUSETTS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 403,418.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,731,491.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,731,491.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.3 %

12

Type of Reporting Person (See Instructions)

HC

SCHEDULE 13G

Item 1.
(a)	Name of issuer: NBT BANCORP INC
(b)	Address of issuer's principal executive offices: 52 SOUTH BROAD STREET, NORWICH, NEW YORK, 13815
Item 2.
(a)	Name of person filing: STATE STREET CORPORATION;
(b)	Address or principal business office or, if none, residence: ONE CONGRESS STREET, SUITE 1, BOSTON MA 02114, UNITED STATES
(c)	Citizenship: MA
(d)	Title of class of securities: COMMON STOCK
(e)	CUSIP Number(s): 628778102
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 2731491.00
(b)	Percent of class: 5.3 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 403,418
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 2,731,491
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. NOT APPLICABLE
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. SSGA FUNDS MANAGEMENT, INC. (IA);STATE STREET GLOBAL ADVISORS EUROPE LIMITED (IA);STATE STREET GLOBAL ADVISORS LIMITED (IA);STATE STREET GLOBAL ADVISORS TRUST COMPANY (IA);STATE STREET GLOBAL ADVISORS, LTD. (IA);
Item 8.	Identification and Classification of Members of the Group.
	If a group has filed this schedule pursuant to §240.13d-1(b)(1)(ii)(K), so indicate under Item 3(k) and attach an exhibit stating the identity and Item 3 classification of each member of the group. If a group has filed this schedule pursuant to §240.13d-1(c) or §240.13d-1(d), attach an exhibit stating the identity of each member of the group. NOT APPLICABLE
Item 9.	Notice of Dissolution of Group.
	Notice of dissolution of a group may be furnished as an exhibit stating the date of the dissolution and that all further filings with respect to transactions in the security reported on will be filed, if required, by members of the group, in their individual capacity. See Item 5. NOT APPLICABLE

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

STATE STREET CORPORATION

Signature:	ELIZABETH SCHAEFER
Name/Title:	SENIOR VICE PRESIDENT, CHIEF ACCOUNTING OFFICER
Date:	08/07/2026