# NBT BANCORP INC (NBTB) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from NBT BANCORP INC's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/NBTB/mda/fy2025/): filed 2026-02-27; accession 0001140361-26-007179 (https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm); latest 10-K
- [FY 2024 MD&A](/company/NBTB/mda/fy2024/): filed 2025-02-28; accession 0001140361-25-006528 (https://www.sec.gov/Archives/edgar/data/790359/000114036125006528/ef20039015_10k.htm)
- [FY 2023 MD&A](/company/NBTB/mda/fy2023/): filed 2024-02-29; accession 0001140361-24-010464 (https://www.sec.gov/Archives/edgar/data/790359/000114036124010464/ef20014996_10k.htm)
- [FY 2022 MD&A](/company/NBTB/mda/fy2022/): filed 2023-03-01; accession 0001140361-23-009417 (https://www.sec.gov/Archives/edgar/data/790359/000114036123009417/brhc10048327_10k.htm)
- [FY 2021 MD&A](/company/NBTB/mda/fy2021/): filed 2022-03-01; accession 0001140361-22-007333 (https://www.sec.gov/Archives/edgar/data/790359/000114036122007333/brhc10034121_10k.htm)

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