NBT Bancorp Inc. operates in the National commercial banks sector. NBT Bancorp Inc. is a financial holding and a bank holding company. The Company's business, primarily conducted through NBT Bank, N.A. (the Bank) but also through its other subsidiaries, consists of providing commercial banking and financial services to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania and the greater Burlington, Vermont area. The Company's subsidiaries include NBT Financial Services, Inc. (NBT Financial), NBT Holdings, Inc. (NBT Holdings) and CNBF Capital Trust I, NBT Statutory Trust I and NBT Statutory Trust II (the Trusts). The Company provides an array of banking and financial services to retail, commercial, and municipal customers. The Company also provides other services through its subsidiaries, such as insurance, retirement plan administration and trust administration. In our complete report available for purchase the company is compared to: First Commonwealth Financial Corporation, Pacwest Bancorporation and Community Bank System Incorporated.