NBT Bancorp Inc. (NBTB)

Regional bank with benefits and insurance services. Read November 11, 2026 from the annual report for the period ending December 31, 2025, filed February 27, 2026. Ranked 132 of the 173 Financial Services companies read so far, by the share within reach now.

A bank holding company whose filing states a full-time equivalent total and nothing by business.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 56% now, 65% at the end of 2027, 67% at the end of 2028, 67% at the end of 2030. By the patterns, the work is about 67% desk work, 25% people work and 8% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

2,303 employees as of December 31, 2025 (full-time equivalent). The excerpt does not say where employees work.

The filing: “At December 31, 2025, the Company had 2,303 full-time equivalent employees.”

The workforce as industry patterns

What the filing says about the workforce: Employees are not represented by any collective bargaining group. 90% of employees use the online learning library.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• JPMorgan Chase (JPM, 318,512 employees)56% now, 70% by 2028
• Citigroup (C, 226,000 employees)57% now, 70% by 2028
• Bank of America (BAC, 213,000 employees)57% now, 69% by 2028
• Wells Fargo (WFC, 205,000 employees)57% now, 69% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)56% now, 68% by 2028
• U.S. Bancorp (USB, 68,520 employees)56% now, 68% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)56% now, 68% by 2028
• Mastercard Incorporated (MA, 39,800 employees)56% now, 68% by 2028

What the filing says about AI

14 sentences in the filing name AI. The filing names AI among new technologies changing financial services and among tools that may evade security safeguards.

• “AFS available for sale AI artificial intelligence AIR accrued interest receivable ALCO Asset Liability Committee AOCI accumulated other comprehensive income (loss) ASC Accounting Standards Codification ASU Accounting Standards Update Board Board of Directors bp(s) basis point(s) C&I Commercial & Industrial CECL current expected credit losses CD certificate of deposit CME Chicago Mercantile Exch...”
• “Further, new technologies such as AI may be more capable of evading safeguard measures.”
• “The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services (including those related to or involving AI, machine learning, blockchain and other technologies).”
• “The development and use of AI exposes us to risks that may adversely impact our business.”
• “We or our third-party providers may develop or incorporate AI technology in certain business processes, services, or products.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20230median 1
• Fiscal 20249median 4
• Fiscal 202514median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• A full-time equivalent count.
• No count by business; the benefits and insurance share is by description.

Source: the company's annual report on EDGAR, accession 0001140361-26-007179, the filing. Read by Claude Fable 5.2 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.