NBT Bancorp 401(k) and pension plans

NBT Bancorp Inc., Norwich, NY. EIN 16-1268674. Annual reports 2009–2025.

NBT Bancorp Inc. has 2 active retirement plans on file. The largest is the NBT Bancorp Inc. 401(k) & Employee Stock Ownership Plan, with 2,810 participants and $415 million in assets in 2025. Epic Retirement has been its recordkeeper since 2009.

Active plans: 2
Participants: 5,348
Plan assets: $540 million
401(k) recordkeeper: Epic Retirement
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

NBT Bancorp Inc. 401(k) & Employee Stock Ownership Plan

401(k) with ESOPActive

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 002Employer EIN 16-1268674
Participants (2025): 2,810
Net assets (2025): $415 million
Recordkeeper: Epic Retirement2009–2025
Plan administrator: NBT Bancorp Inc.
52 S Broad ST
Norwich, NY 13815
(607) 337-6868As filed for 2025
In effect since: January 1, 1979

Earlier plan names: NBT Bancorp Inc. 401K & Employee Stock Ownership Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	2,810	$415 million	Epic Retirement
2024	2,573	$366 million	Epic Retirement
2023	2,529	$321 million	Epic Retirement
2022	2,358	$275 million	Epic Retirement
2021	2,251	$317 million	Epic Retirement
2020	2,209	$274 million	Epic Retirement
2019	2,248	$244 million	Epic Retirement
2018	2,164	$202 million	Epic Retirement
2017	2,073	$205 million	Epic Retirement
2016	2,112	$183 million	Epic Retirement
2015	2,104	$154 million	Epic Retirement
2014	2,072	$150 million	Epic Retirement
2013	2,090	$140 million	Epic Retirement
2012	2,016	$104 million	Epic Retirement
2011	1,742	$82.6 million	Epic Retirement
2010	1,566	$80.7 million	Epic Retirement
2009	1,511	$65.1 million	Epic Retirement

NBT Bancorp Inc. Defined Benefit Pension Plan

Cash balance pensionActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 16-1268674
Participants (2024): 2,538
Net assets (2024): $125 million
Plan administrator: NBT Bancorp Inc.
52 South Broad Street
Norwich, NY 13815
(607) 337-6393As filed for 2024
In effect since: May 9, 1945

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	2,538	$125 million	not listed
2023	2,551	$121 million	not listed
2022	2,346	$113 million	not listed
2021	2,320	$136 million	not listed
2020	2,410	$129 million	not listed
2019	2,291	$123 million	not listed
2018	2,044	$110 million	not listed
2017	1,979	$124 million	not listed
2016	1,941	$116 million	not listed
2015	1,954	$108 million	not listed
2014	2,119	$117 million	not listed
2013	2,182	$119 million	not listed
2012	1,886	$99.7 million	not listed
2011	1,826	$91.6 million	not listed
2010	1,795	$97.8 million	not listed
2009	1,786	$90.9 million	not listed

If you had money in one of these plans

Call Epic Retirement, which runs the NBT Bancorp Inc. 401(k) & Employee Stock Ownership Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((607) 337-6868). That number was filed for 2025; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

NBT Bancorp Inc. 401(k) & Employee Stock Ownership Plan

NBT Bancorp Inc. Defined Benefit Pension Plan

If you had money in one of these plans

What these numbers are

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