NBT Bancorp (NBTB) risk factors

Item 1A of every NBT Bancorp Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
28 risks10 dropped4 reworded
The company removed all specific risk disclosures related to the completed merger with Evans Bancorp.
Filed Feb 27, 2026
FY2024 10-K risk factors
38 risks
NBT Bancorp's risk profile is heavily weighted toward regional economic concentration, credit risk in commercial lending, and execution risks tied to the pending merger with Evans.
Filed Feb 28, 2025