Better Health for All

NBT Bancorp Inc. is a financial services company, and its core products and services (commercial banking, retail banking, wealth management) have no significant direct positive or negative health impact, nor do they carry health risks requiring disclosure. Therefore, its health impact core, harmful revenue share, safety record, risk transparency, and health externalities are neutral. The company has made several donations to health-related organizations. In 2021, NBT Bank donated $10,000 to The Family Counseling Center, which provides mental health and addiction services.

In 2023, NBT Bank committed $75,000 to The Village's Urgent Crisis Center, supporting mental health services for youth. In 2019, NBT Bank donated $500,000 to UHS Chenango Memorial Hospital's capital campaign and $50,000 to Adirondack Health Foundation's Cornerstone Campaign. The total of these specific health-related donations is $635,000. NBT Bancorp's assets were $13.86 billion as of March 31, 2025. The total health-related donations represent approximately 0.0046% of the company's assets. The company's total community contributions were over $2 million in 2023, but the specific allocation to mental health initiatives from this total is not provided. The identified mental health donations are limited in practical support relative to the company's scale.

Fair Money & Economic Opportunity

NBT Bancorp has funded over 140 affordable housing construction projects, totaling more than $825 million in financing, which resulted in the creation of over 6,000 affordable housing units.

This financing represents approximately 7.11% of the company's total loan portfolio as of December 31, 2025. The company offers the "Strive® with NBT Bank" financial literacy program, which includes interactive lessons for elementary, middle, and high school students, college students, and adults. NBT Bank operates 176 banking locations across seven states. In 2024, the company contributed over $2.3 million through its charitable giving program, which represents about 1.64% of its 2024 net income. The NBT iSelect Account, introduced in 2021, features no monthly charges for maintenance, inactivity, or dormancy, and no overdraft fees. This account has received certification for meeting the Bank On National Account Standards every year since its introduction, with over 18,000 accounts opened.

Fair Pay & Worker Respect

NBT Bancorp Inc. reported a CEO to median employee pay ratio of 40:1 for Fiscal Year 2024.

The company's voluntary employee turnover rate was near 18% in 2023, with a high turnover rate noted in Information Technology (over 20 employees lost out of 24 in a five-year period, as of April 2019). The company has one documented labor law violation in the past three years: a wage and hour violation in 2022 with a penalty of $5,838. NBT Bancorp offers multiple options of generously subsidized medical, dental, and vision insurance plans, including prescription coverage, and reviews indicate that health packages are better than the industry norm, making healthcare affordable for US-based employees. The company administered an employee engagement survey in Q1 2024, but the results are not yet available.

Honest & Fair Business

NBT Bancorp Inc. has a formal whistleblower policy, revised in December 2022, which includes an independent third-party ethics line, multiple reporting channels, and a non-retaliation policy, allowing for confidential and anonymous submissions regarding accounting, internal controls, or auditing matters.

The company has adopted a Code of Business Conduct and Ethics that covers compliance with anti-bribery laws, including the FCPA, and restricts gifts and entertainment. However, the frequency and effectiveness metrics of related training are not specified. For board independence, all directors, excluding three named individuals (Watt, Kingsley, and Cantele), meet independence standards. The company engages KPMG LLP as its independent registered public accounting firm, with audit fees of $1,360,000 in 2024 and $1,393,000 in 2023, indicating external audit of financial statements, but the percentage of ethical claims independently verified is not specified.

Kind to Animals

NBT Bancorp Inc. is a financial holding company providing commercial banking, retail banking, and wealth management services.

Its core business model does not involve activities such as product manufacturing, animal testing, animal agriculture, or the use of animal-derived ingredients. Therefore, the KPIs related to cruelty-free certifications, alternative testing methods, humane certifications for animal operations, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal testing policies and volume, R&D investment in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable to the company's operations. No evidence was found in the provided articles to suggest NBT Bancorp engages in any activities that would fall under these categories, nor does it engage in public policy advocacy related to animal welfare. While mentions general environmental efforts like paper and fuel reduction, and solar loans, these do not constitute measurable biodiversity impact or species recovery initiatives as required by the wildlife_conservation_impact KPI, leading to its omission.

No War, No Weapons

NBT Bancorp Inc. is a financial holding company and its core business does not involve arms manufacturing, military contracts, or conflict facilitation.

The company's annual report and ESG/Social Responsibility disclosures explicitly state that metrics related to arms contracts, dual-use technology, sales to embargoed regimes, defense-related business activities, exports, lobbying on arms control, Arms Trade Treaty compliance, AI military safeguards, dual-use item screening, surveillance contracts, ethical red lines for weapons, controversial weapons, defense divestment, conflict minerals, peace technology investment, and conflict-zone procurement are not applicable to its operations. The Board of Directors recognizes ESG principles and oversees ESG matters through its Nominating and Governance Committee, but there is no mention of defense-related business activities for oversight.

Planet-Friendly Business

NBT Bancorp Inc. does not provide publicly available data on its environmental performance, including carbon emissions, renewable energy usage, water consumption, or waste diversion rates.

The company also lacks information on science-based targets, green building certifications, or climate-related financial disclosures such as TCFD alignment or climate scenario analysis. No evidence of environmental compliance violations or impact assessments was found. While the company reported paper reduction and recycling efforts in 2023 saved 4,462 trees, this does not provide a waste diversion rate percentage for scoring.

Safe & Smart Tech

NBT Bancorp Inc. has not experienced any material risks from cybersecurity threats that have materially affected its business strategy, results of operations, or financial condition as of December 31, 2024.

The NBT iSelect Account has received certification for meeting the Bank On National Account Standards every year since 2021. The company provides users with opt-out rights for certain information sharing, marketing communications, and geo-location data. For authentication, NBT Bank recommends strong, regularly changed passwords, and the use of Touch ID or fingerprint authentication. The company's Information Security Program includes penetration testing and vulnerability scanning, and it encourages users to keep software and operating systems updated. NBT Bank complies with federal law regarding security measures and mentions the Children's Online Privacy Protection Act (COPPA) in its online privacy practices. The Board reviews the overall Information Security Program at least annually, and cybersecurity risks are reported to the Risk Management Committee at least quarterly.