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Original filing (PDF)20251014194842NAL0001800307001
NBT BANCORP INC.
Form 5500
FILING_RECEIVED
NBT BANCORP INC. DEFINED BENEFIT PENSION PLAN
Defined-benefit pension plan
Signals · 1
No recordkeeper disclosed
Active participants
1,815
Accounts w/ balance
—
Plan assets (EOY)
$125.0M
Net assets (EOY)
$125.0M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NBT BANCORP INC..
Plan sponsor
Name
NBT BANCORP INC.
EIN
16-1268674
Address
52 SOUTH BROAD STREET · NORWICH, NY · 138151646
Phone
(607) 337-6393
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
1C · Cash balance or similar hybrid DB
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BONADIO & CO., LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPAS ACTUARIAL AND PENSION SERVICES | 30-0192194 | — | NONE | $92K | — |
Investments
23 direct securities· $121.8M(97% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity U.S. Bond Index Fund - Institutional Premium 1,772,122 shares | — | — | $19.7M | $18.1M | 14.5% | |
| Dodge & Cox Income Fund 1,160,506 shares | — | — | $15.6M | $14.4M | 11.5% | |
| Fidelity Inflation Protected Bond Index Fund - Instl Prem 1,267,159 shares | — | — | $12.0M | $11.3M | 9.0% | |
| Columbia Dividend Income Inst3 314,581 shares | — | — | $7.3M | $10.6M | 8.5% | |
| Fidelity 500 Index Fund 51,655 shares | — | — | $5.2M | $10.5M | 8.4% | |
| JPMorgan Large Cap Growth 93,001 shares | — | — | $4.0M | $7.4M | 5.9% | |
| Dodge & Cox International Stock Fund 138,300 shares | — | — | $5.1M | $6.9M | 5.5% | |
| Federated Institutional High Yield Bond Fund 705,535 shares | — | — | $6.7M | $6.3M | 5.0% | |
| FlexShares Mstar Global Upstream Natural Res Index Fund 138,185 shares | — | — | $4.7M | $5.0M | 4.0% | |
| PIMCO Income Fund Institutional Class 355,845 shares | — | — | $3.8M | $3.7M | 3.0% | |
| Ishares MSCI EAFE Growth ETF 35,445 shares | — | — | $2.9M | $3.4M | 2.7% | |
| Invesco Oppenheimer International Growth 108,124 shares | — | — | $3.7M | $3.4M | 2.7% | |
| Fidelity Small Cap Index Fund 112,381 shares | — | — | $2.2M | $3.1M | 2.5% | |
| DFA Emerging Markets Portfolio 108,645 shares | — | — | $2.8M | $3.1M | 2.5% | |
| Federated Government Obligations Fund Money Market Fund, par value of $2,610,858 | — | — | $2.6M | $2.6M | 2.1% | |
| Lazard Global Listed Infrastructure Fund 162,233 shares | — | — | $2.4M | $2.5M | 2.0% | |
| DFA International Small Company Portfolio 129,730 shares | — | — | $2.2M | $2.5M | 2.0% | |
| DFA Global Real Estate Securities 248,722 shares | — | — | $2.5M | $2.5M | 2.0% | |
| T. Rowe Price Mid Cap Value Fund 49,056 shares | — | — | $1.7M | $1.6M | 1.2% | |
| Federated Hermes MDT Mid Cap Growth 24,602 shares | — | — | $1.3M | $1.5M | 1.2% | |
| Dodge & Cox Global Bond Fund 118,413 shares | — | — | $1.3M | $1.2M | 1.0% | |
| Total U.S. Government Sponsored Agency Securities: | — | — | $8K | $7K | <0.1% | |
| Federal National Mortgage Association Matures 9/18/27 5.000% par value of $7,500 | — | — | $8K | $7K | <0.1% |
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