Andrew S. Kowalczyk III - 31 Dec 2025 Form 5 Insider Report for NBT BANCORP INC (NBTB)

Role
Director
Signature
By: Annette L. Burns, Power of Attorney For: Andrew S. Kowalczyk III
Issuer symbol
NBTB
Transactions as of
31 Dec 2025
Net transactions value
$0
Form type
5
Filing time
13 Feb 2026, 13:10:56 UTC
Previous filing
21 May 2025
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Kowalczyk Andrew S III Director 52 SOUTH BROAD STREET, NORWICH By: Annette L. Burns, Power of Attorney For: Andrew S. Kowalczyk III 13 Feb 2026 0001693218

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction NBTB NBT Bancorp Inc. Common Stock Other $0 +117 +0.94% $0.000000 12,592 31 Dec 2025 Direct F1

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction NBTB Phantom Stock Other $0 +205 +3.2% $0.000000 6,598 31 Dec 2025 NBT Bancorp Inc. Common Stock 205 Direct F2, F3
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 Shares were purchased through a Dividend Reinvestment Plan from 1/1/2025 to 12/31/2025.
F2 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.
F3 Shares were purchased through payroll deferral and/or dividend reinvestment from 1/1/2025 to 12/31/2025 through a NBT Bancorp Inc. deferred compensation plan.