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          <ccc>XXXXXXXX</ccc>
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      <liveTestFlag>LIVE</liveTestFlag>



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      <issuerCik>0000790359</issuerCik>
      <issuerName>NBT BANCORP INC</issuerName>
      <secFileNumber>000-14703</secFileNumber>
      <issuerAddress>
        <com:street1>52 S BROAD ST</com:street1>
        <com:city>NORWICH</com:city>
        <com:stateOrCountry>NY</com:stateOrCountry>
        <com:zipCode>13815</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>6073372265</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>WATT JOHN H JR</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Charles Schwab Corporation</name>
        <address>
          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>10000</noOfUnitsSold>
      <aggregateMarketValue>498900.00</aggregateMarketValue>
      <noOfUnitsOutstanding>47177534</noOfUnitsOutstanding>
      <approxSaleDate>11/14/2024</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/16/2013</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Units</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>10000</amountOfSecuritiesAcquired>
      <paymentDate>02/16/2013</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>John Watt Jr</name>
        <address>
          <com:street1>52 S BROAD ST</com:street1>
          <com:city>NORWICH</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>13815</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <saleDate>10/30/2024</saleDate>
      <amountOfSecuritiesSold>20000</amountOfSecuritiesSold>
      <grossProceeds>909016.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <remarks>Shares to be sold: 19.36 shares acquired via Stock dividend re-investment 10/02/2012 remaining 9,980.64 shares acquired between 02/16/2013 - 01/15/2021</remarks>
    <noticeSignature>
      <noticeDate>11/14/2024</noticeDate>
      <signature>John Watt Jr</signature>
    </noticeSignature>
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144
0001265126
XXXXXXXX
LIVE
0000790359
NBT BANCORP INC
000-14703
52 S BROAD ST
NORWICH
NY
13815
6073372265
WATT JOHN H JR
Director
Common
Charles Schwab Corporation
3000 Schwab Way
Westlake
TX
76262
10000
498900.00
47177534
11/14/2024
NASDAQ
Common
02/16/2013
Restricted Stock Units
Issuer
N
10000
02/16/2013
Equity Compensation
N
John Watt Jr
52 S BROAD ST
NORWICH
NY
13815
Common
10/30/2024
20000
909016.00
Shares to be sold: 19.36 shares acquired via Stock dividend re-investment 10/02/2012 remaining 9,980.64 shares acquired between 02/16/2013 - 01/15/2021
11/14/2024
John Watt Jr