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[Member] nbtb:EBP002Member 2025-01-01 2025-12-31 0000790359 NBT Bancorp Inc. [Member] nbtb:EBP002Member 2025-12-31 0000790359 nbtb:ParticipantLoansReceivableMember nbtb:EBP002Member 2025-12-31 0000790359 nbtb:ParticipantLoansReceivableMember nbtb:EBP002Member 2025-01-01 2025-12-31 0000790359 srt:MinimumMember nbtb:ParticipantLoansReceivableMember nbtb:EBP002Member 2025-01-01 2025-12-31 0000790359 srt:MaximumMember nbtb:ParticipantLoansReceivableMember nbtb:EBP002Member 2025-01-01 2025-12-31 iso4217:USD nbtb:Age nbtb:Hours pure shares 11-K 11-K 2025 2025 NBT Bancorp Inc. 363169532 307131380 30074182 35226305 17933465 18539578 31988 86728 411209167 360983991 3492310 3450393 86234 62387 675053 1987973 4253597 5500753 415462764 366484744 92118 41865 92118 41865 415370646 366442879 23419439 33173589 20873491 12838626 568966 528817 44861896 46541032 282451 260292 15806249 13792131 6591657 7088166 15202083 4957880 37599989 25838177 82744336 72639501 33787979 26959027 28590 25806 33816569 26984833 48927767 45654668 366442879 320788211 415370646 366442879 <div style="text-indent: -36pt; text-align: justify; padding-left: 36pt; font-weight: bold;"> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="font-size: 10.0pt;">1.</span> </div> <div> <span style="font-size: 10.0pt;">Description of Plan</span> </div> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; clear: both;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The following description of the NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan (“the Plan”) provides only general information. Participants should refer to the Plan Agreement or Summary Plan Description for a more complete description of the Plan’s provisions.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt; font-weight: bold;">General</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan is a defined contribution plan as defined under Section 401(a) of the Internal Revenue Code (“IRC”), sponsored by NBT Bancorp Inc. (“the Sponsor”, “the Plan Administrator” or “the Company”). The Sponsor is responsible for administration of the Plan. NBT Bank, N.A, is a wholly-owned subsidiary of NBT Bancorp Inc. NBT Bank, N.A. is the trustee of the Plan (“the Trustee”) and Charles Schwab Bank is the Custodian of the Plan. EPIC Retirement Plan Services, a wholly‑owned subsidiary of NBT Financial Services, Inc., a wholly‑owned subsidiary of the Sponsor, is the Plan’s record keeper. The assets of the Plan are held, administered and managed in accordance with the terms and conditions of the Trust Agreement, which is considered to be an integral part of the Plan.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”).</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan was amended to include employees of Karl W. Reynard Agency effective July 1, 2024 and employees of Paco, Inc. effective November 1, 2024.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan was amended to include employees of Evans Bancorp, Inc. effective May 2, 2025.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Effective January 1, 2025, the Plan was amended to update provisions related to employees acquired in IRC §410(b)(6)(C) transactions (including eligibility as of the transaction date and crediting of predecessor employer service for eligibility and vesting purposes). The Plan was also amended to permit in‑plan Roth conversions effective January 1, 2026.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Employees acquired in certain IRC §410(b)(6)(C) transactions may become eligible as of the transaction date, as provided under the Plan.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt; font-weight: bold;">Eligibility</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">All employees who are age 21 or over and scheduled to complete 1,000 hours of service or have completed 1,000 hours of service are eligible to participate in the Plan. Eligible employees are required to complete 30 days of employment prior to entry into the Plan. A deemed election becomes effective as of the first day of the month the eligible employee becomes a participant and is eligible to make a deferral election to the Plan.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt; font-weight: bold;">Contributions and Deferrals</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Participants may make pre‑tax and post-tax contributions in whole percentages or may elect a flat dollar contribution up to Internal Revenue Service (“IRS”) limitations for any plan year. The post-tax contributions are deferrals to Roth accounts.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan includes provisions for automatic elective contributions under which any employee that meets certain eligibility requirements will be automatically enrolled in the Plan and will automatically have 6% withheld from his or her compensation and contributed to the Plan. The employee will have to elect to opt out of the qualified automatic contribution election.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Company’s matching contribution is 100% of each participant’s contribution up to 1% of compensation plus 50% of the next 5% of compensation for a total matching contribution of up to 3.5% of compensation. The Company match amounted to $5,916,604 and $5,100,193 in 2025 and 2024, respectively. A discretionary amount, determined by the Sponsor’s Board of Directors, may be contributed to the Plan each year. To share in this discretionary contribution, participants must be actively employed on the last day of the year, have completed 1,000 hours of service and have contributed a minimum percentage of compensation during the year as determined annually by the Company. The amount is allocated to participants on a pro-rata basis, based on compensation. No discretionary contributions were made for 2025. During 2024, discretionary contributions of $1,422,473 were approved by the Sponsor’s board of directors and were paid during 2025. This discretionary contribution is included in contributions receivable from employer in the Statement of Net Assets Available for Plan Benefits as of December 31, 2024.</span></div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">In addition, as defined in the Plan document, employees participating in the Plan under the Worker Retirement Accumulation Plan (“WRAP”) design can receive an additional discretionary Company contribution equal to the interest credit on service credits earned under the WRAP design. The Company contribution for employees participating in the WRAP amounted to $675,053 in 2025, which was paid during 2026, and $565,500 in 2024, which was paid during 2025. These discretionary contributions are included in contributions receivable from employer in the Statement of Net Assets Available for Plan Benefits as of December 31, 2025 and 2024.</span> </div> <div style="font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Participant Accounts</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Participants elect to have their contributions invested among the various funds available to the Plan, including NBT Bancorp Inc. common stock. Each participant’s account is credited with the Sponsor’s and participant’s contributions, plan earnings and income, expenses, gains and losses attributable thereto.</span> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Vesting</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Participants’ contributions and net investment income or loss thereon are 100% vested. The participants’ vesting in Safe Harbor employer matching contributions are 100% vested upon completion of two years of service. Employer discretionary contributions are vested after five years of service. Participants are considered 100% vested upon termination due to death, retirement or permanent disability.</span> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Rollovers and Transfers from Other Qualifying Plans</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Participants may make rollover contributions to the Plan through a distribution from a former employer’s qualified retirement plan in accordance with the IRC.</span> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Notes Receivable from Participants</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Participants may borrow from their account in amounts ranging from $1,000 to the lesser of $50,000 or 50% of the vested 401(k) account balance excluding Company contributions invested in NBT Bancorp Inc. common stock and employer contributions made subsequent to January 1, 1997. Loans, other than loans for the purchase of a primary residence, must be repaid over a period no longer than five years. Loans for the purchase of a primary residence must be repaid over a period no longer than 15 years. Interest is charged at the prime rate plus 1% as of the loan origination date. Participant loans are treated as a transfer from the participant directed accounts into the loan fund. Principal and interest payments on the loans are allocated to the loan fund and transferred into the participant directed accounts based on the participants’ current investment allocation elections.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt; font-weight: bold;">Payment of Benefits</span> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-weight: normal; font-style: normal;">Upon normal or early retirement, disability, death or termination of employment, the value of a participant’s account is paid as requested by the participant. If the value of the vested balance does not exceed $7,000, then the balance will be distributed regardless if the participant requests to receive it. Early retirement is allowed upon reaching age 55 and completion of at least 5 years of service.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Withdrawals</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Subject to certain limitations prescribed by the Plan and the IRC, terminated participants may elect retirement or other termination withdrawals in either lump sum or partial payments.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div> <span style="font-size: 10.0pt; font-weight: bold;">Forfeitures</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Forfeitures are applied to reduce the amount of future employer contributions otherwise required to be paid. In 2025 and 2024, forfeitures from non-vested accounts totaled $149,133 and $145,368, respectively, and forfeitures used to reduce employer contributions were $127,451 and $141,313, respectively. Forfeiture account balances totaled $66,394 and $44,712 at December 31, 2025 and 2024, respectively.</span></div><div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Plan Termination</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Although it has not expressed any intention to do so, the Sponsor has the right to discontinue contributions or terminate the Plan at any time subject to Plan provisions and subject to the provisions of ERISA. In the event of termination of the Plan, each participant’s account would become fully vested and the net assets of the Plan would be allocated as prescribed by ERISA and its related regulations.</span> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Administrative Expenses</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Expenses of operating and administering the Plan are generally paid by the Sponsor. The payment of these expenses is not mandated by the Plan and is done so at the discretion of the Sponsor. Loan fees are paid by the borrower.</span> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Voting Rights</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">With respect to participant account balances that are invested in shares of NBT Bancorp Inc. common stock, each participant is entitled to exercise voting rights attributable to the shares allocated to his or her account and is notified by the Trustee prior to the time that such rights are to be exercised.</span> </div> true 21 1000 1000 P30D 0.06 1 0.01 0.50 0.05 0.035 5916604 5100193 1000 0 1422473 675053 565500 1 1 P2Y P5Y 1 1000 50000 0.50 P5Y P15Y 0.01 7000 P55Y P5Y 149133 145368 127451 141313 66394 44712 <div style="text-indent: -36pt; text-align: justify; padding-left: 36pt; font-weight: bold;"> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="font-size: 10.0pt;">2.</span> </div> <div> <span style="font-size: 10.0pt;">Summary of Significant Accounting Policies</span> </div> </div> <div style="text-align: justify; font-size: 10pt; font-weight: bold; font-style: italic; clear: both;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Basis of Presentation</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The accompanying financial statements have been prepared on the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Amounts in prior year’s financial statements are reclassified, when necessary, to conform with current year’s presentation.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Investment Valuation and Income Recognition</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan’s investments are stated at fair value. The fair value of mutual funds and the common stock of the Sponsor are based on published market quotations. The fair value of the stable value fund is based on the calculated daily net asset values of the fund.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Fair value is the price the Plan would receive to sell an asset or pay to transfer a liability in an orderly transaction with a market participant at the measurement date. In the absence of active markets for the identical assets and liabilities, such measurements involve developing assumptions based on market observable data and, in the absence of such data, internal information that is consistent with what market participants would use in a hypothetical transaction that occurs at the measurement date.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect our market assumptions. Preference is given to observable inputs. These two types of inputs create the following fair value hierarchy and a financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The three levels are defined as follows:</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; and</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (e.g., supported by little or no market activity).</span></div><div style="text-align: justify; font-size: 10pt;"> Investment transactions are recorded on a trade date basis. If a trade is open at the end of the year, a receivable for securities sold but not yet settled or a payable for securities purchased but not yet settled is reflected in the Statement of Net Assets Available for Benefits. Dividends are recorded on the ex-dividend date. Interest income is earned from settlement date and recognized on the accrual basis. The net appreciation in the fair value of investments consists of the realized gains or losses on the sales of investments and the net unrealized appreciation of investments. The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, although the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date. </div> <div style="text-align: justify; margin-left: 54.7pt; font-size: 10pt;">  </div> <div style="font-weight: bold; font-size: 10pt;"> Benefits Paid to Participants </div> <div style="text-align: justify; margin-left: 54.7pt; font-size: 10pt;">  </div> <div style="font-size: 10pt;"> Benefit payments to participants are recorded when paid. </div> <div style="text-align: justify; margin-left: 54.7pt; font-size: 10pt;">  </div> <div style="font-weight: bold; font-size: 10pt;"> Notes Receivable from Participants </div> <div style="text-align: justify; margin-left: 54.7pt; font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-size: 10pt;"> <span style="font-weight: normal;">Notes receivable from participants are carried at the unpaid principal balance plus interest.</span> </div> <div style="text-align: justify; font-weight: bold; font-style: italic; font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-style: italic; font-size: 10pt;"> <span style="font-style: normal;">Participant Withdrawals</span> </div> <div style="text-align: justify; font-weight: bold; font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-size: 10pt;"> <span style="font-weight: normal;">Participant withdrawals are recorded when paid.</span> </div> <div style="text-align: justify; font-weight: bold; font-size: 10pt;">  </div> <div style="text-align: justify; font-size: 10pt;"> <span style="font-weight: bold;">Use of Estimates</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify; font-size: 10pt;"> The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of net assets available for plan benefits, disclosure of contingent assets and liabilities, and the reported amount of increases and decreases in net assets available for plan benefits. Actual results could differ from those estimates. </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify; font-size: 10pt;"> <span style="font-weight: bold;">Risks and Uncertainties</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify; font-size: 10pt;"> The Plan invests in various types of investment securities. Investment securities are exposed to various risks, such as interest rate, market and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participant account balances and the amounts reported in the Statements of Net Assets Available for Plan Benefits. </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Basis of Presentation</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">The accompanying financial statements have been prepared on the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Amounts in prior year’s financial statements are reclassified, when necessary, to conform with current year’s presentation.</span> </div> <div style="text-align: justify; font-weight: bold; font-style: italic;"> <span style="font-size: 10.0pt; font-style: normal;">Investment Valuation and Income Recognition</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan’s investments are stated at fair value. The fair value of mutual funds and the common stock of the Sponsor are based on published market quotations. The fair value of the stable value fund is based on the calculated daily net asset values of the fund.</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">Fair value is the price the Plan would receive to sell an asset or pay to transfer a liability in an orderly transaction with a market participant at the measurement date. In the absence of active markets for the identical assets and liabilities, such measurements involve developing assumptions based on market observable data and, in the absence of such data, internal information that is consistent with what market participants would use in a hypothetical transaction that occurs at the measurement date.</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect our market assumptions. Preference is given to observable inputs. These two types of inputs create the following fair value hierarchy and a financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The three levels are defined as follows:</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; and</span> </div><div style="text-align: justify;"> <span style="font-size: 10.0pt;">Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (e.g., supported by little or no market activity).</span></div><div style="text-align: justify; font-size: 10pt;"> Investment transactions are recorded on a trade date basis. If a trade is open at the end of the year, a receivable for securities sold but not yet settled or a payable for securities purchased but not yet settled is reflected in the Statement of Net Assets Available for Benefits. Dividends are recorded on the ex-dividend date. Interest income is earned from settlement date and recognized on the accrual basis. The net appreciation in the fair value of investments consists of the realized gains or losses on the sales of investments and the net unrealized appreciation of investments. The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, although the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date. </div> <div style="font-weight: bold; font-size: 10pt;"> Benefits Paid to Participants </div><div style="font-size: 10pt;"> Benefit payments to participants are recorded when paid. </div> <div style="font-weight: bold; font-size: 10pt;"> Notes Receivable from Participants </div><div style="text-align: justify; font-weight: bold; font-size: 10pt;"> <span style="font-weight: normal;">Notes receivable from participants are carried at the unpaid principal balance plus interest.</span> </div> <div style="text-align: justify; font-weight: bold; font-style: italic; font-size: 10pt;"> <span style="font-style: normal;">Participant Withdrawals</span> </div><div style="text-align: justify; font-weight: bold; font-size: 10pt;"> <span style="font-weight: normal;">Participant withdrawals are recorded when paid.</span> </div> <div style="text-align: justify; font-size: 10pt;"> <span style="font-weight: bold;">Use of Estimates</span> </div><div style="text-align: justify; font-size: 10pt;"> The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of net assets available for plan benefits, disclosure of contingent assets and liabilities, and the reported amount of increases and decreases in net assets available for plan benefits. Actual results could differ from those estimates. </div> <div style="text-align: justify; font-size: 10pt;"> <span style="font-weight: bold;">Risks and Uncertainties</span> </div><div style="text-align: justify; font-size: 10pt;"> The Plan invests in various types of investment securities. Investment securities are exposed to various risks, such as interest rate, market and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect participant account balances and the amounts reported in the Statements of Net Assets Available for Plan Benefits. </div> <div style="text-indent: -36pt; text-align: justify; padding-left: 36pt; font-weight: bold;"> <div style="float: left; width: 36pt; white-space: nowrap; font-size: 10pt;"> 3. </div> <div style="font-size: 10pt;"> Fair Value Measurements </div> </div> <div style="text-align: justify; font-weight: bold; clear: both; font-size: 10pt;">  </div> <div style="text-align: justify; font-weight: bold; font-size: 10pt;"> <span style="font-weight: normal;">The following table presents the financial instruments recorded at fair value on a recurring basis by the Plan as of December 31, 2025 and 2024:</span> </div> <div style="text-align: justify; font-weight: bold; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> </div> <div> </div><table cellpadding="0" style="border-collapse: collapse; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; width: 100%; border-spacing: 0px;"> <tr style="height: 0px; font-size: 0px;"> <td> </td> <td> </td> <td style="width: 1%;"> </td> <td style="width: 9%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"> <div> <span style="font-weight: bold;">Description</span> </div> </td> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="2" style="text-align : center; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; white-space : nowrap; "> <div> <span style="font-weight: bold;">December 31, 2025</span> </div> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="3" style="text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <div> <span style="font-weight: bold;">Level 1</span> </div> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="3" style="text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <div> <span style="font-weight: bold;">Level 2</span> </div> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="4" style="text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-right-width: medium; border-right-style: none; border-right-color: currentcolor;"> <div> <span style="font-weight: bold;">Level 3</span> </div> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div> Mutual funds </div> </td> <td style="vertical-align: bottom;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">363,169,532</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">363,169,532</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;"> - </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;"> - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom;"> <div> Common stock of NBT Bancorp Inc. </div> </td> <td style="vertical-align: bottom;"> </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">30,074,182</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">30,074,182</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div> Stable value fund </div> </td> <td style="vertical-align: bottom;"> </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">17,933,465</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">17,933,465</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"> <div> Cash and money market funds </div> </td> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">31,988</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">31,988</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">  - </td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">  - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-right-width: medium; border-right-style: none; border-right-color: currentcolor;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor; padding-left: 10px;"> <div> Total </div> </td> <td style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">411,209,167</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">411,209,167</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> - </td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-right-width: medium; border-right-style: none; border-right-color: currentcolor;"> </td> </tr> </table><div style="font-size: 10pt;">  </div> <table cellpadding="0" style="margin: auto; border-collapse: collapse; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; width: 100%; border-spacing: 0px;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 52%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"><span style="font-weight: 700; letter-spacing: normal; text-indent: -9.6px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Description</span></td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align : top; border-spacing : 0px; border-collapse : collapse; margin : auto; text-align : center; white-space : nowrap; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; "> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">December 31, 2024</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Level 1</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Level 2</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Level 3</span></td> <td style="vertical-align: bottom; text-align: center; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0); width: 1%;"> </td> </tr><tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Mutual funds </div> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;">307,131,380</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;">307,131,380</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Common stock of NBT Bancorp Inc. </div> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">35,226,305</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">35,226,305</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Stable value fund </div> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">18,539,578</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">18,539,578</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="border-bottom: 2px solid rgb(0, 0, 0); vertical-align: bottom; border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Cash and money market funds </div> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">86,728</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">86,728</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-bottom: 4px double rgb(0, 0, 0); vertical-align: bottom; border-left-width: medium; border-left-style: none; border-left-color: currentcolor; padding-left: 10px;"> <div> Total </div> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;">360,983,991</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;">360,983,991</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr> </table><div style="text-align: justify;"> <span style="font-size: 10.0pt;">The stable value fund consists of the Federated Capital Preservation Fund (“the Fund”), which primarily holds guaranteed investment contracts (“GICs”) and synthetic guaranteed investment contracts (“synthetic GICs”). GICs represent deposits which guarantee a stated interest rate for the term of the contracts. The crediting rate of security-backed contracts will track current market yields on a trailing basis. The rate reset allows the contract value to converge with the fair value of the underlying portfolio over time, assuming the portfolio continues to earn the current yield for a period of time equal to the current portfolio duration. The fair value of GICs is determined based on the present value of the contract's expected cash flows, discounted by current market interest rates for like duration and like quality investments. Synthetic GICs are portfolios of securities (debt securities or open end registered investment companies) owned by the Fund with wrap contracts that guarantee a fixed or variable rate for the term of the contracts.</span> </div> <div style="text-align: justify; font-weight: bold; font-size: 10pt;"> <span style="font-weight: normal;">The following table presents the financial instruments recorded at fair value on a recurring basis by the Plan as of December 31, 2025 and 2024:</span> </div> <div style="text-align: justify; font-weight: bold; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> </div> <div> </div><table cellpadding="0" style="border-collapse: collapse; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; width: 100%; border-spacing: 0px;"> <tr style="height: 0px; font-size: 0px;"> <td> </td> <td> </td> <td style="width: 1%;"> </td> <td style="width: 9%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"> <div> <span style="font-weight: bold;">Description</span> </div> </td> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="2" style="text-align : center; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; white-space : nowrap; "> <div> <span style="font-weight: bold;">December 31, 2025</span> </div> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="3" style="text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <div> <span style="font-weight: bold;">Level 1</span> </div> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="3" style="text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <div> <span style="font-weight: bold;">Level 2</span> </div> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td colspan="4" style="text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-right-width: medium; border-right-style: none; border-right-color: currentcolor;"> <div> <span style="font-weight: bold;">Level 3</span> </div> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div> Mutual funds </div> </td> <td style="vertical-align: bottom;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">363,169,532</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">363,169,532</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;"> - </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;"> - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom;"> <div> Common stock of NBT Bancorp Inc. </div> </td> <td style="vertical-align: bottom;"> </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">30,074,182</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">30,074,182</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div> Stable value fund </div> </td> <td style="vertical-align: bottom;"> </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">17,933,465</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">17,933,465</td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td> <td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; width: 1%;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right;">  - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"> <div> Cash and money market funds </div> </td> <td style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">31,988</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">31,988</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">  - </td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">  - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-right-width: medium; border-right-style: none; border-right-color: currentcolor;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor; padding-left: 10px;"> <div> Total </div> </td> <td style="vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">411,209,167</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">411,209,167</td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> - </td> <td style="vertical-align: bottom; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td><td style="font-weight: bold; vertical-align: top; border-spacing: 0px; border-collapse: collapse; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;">$</td> <td style="vertical-align: bottom; font-weight: bold; width: 9%; text-align: right; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> - </td><td style="vertical-align: bottom; font-weight: bold; width: 1%; text-align: left; border-bottom: 4px double rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-right-width: medium; border-right-style: none; border-right-color: currentcolor;"> </td> </tr> </table><div style="font-size: 10pt;">  </div> <table cellpadding="0" style="margin: auto; border-collapse: collapse; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; width: 100%; border-spacing: 0px;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 52%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> <td style="width: 1%;"> </td><td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: left; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"><span style="font-weight: 700; letter-spacing: normal; text-indent: -9.6px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Description</span></td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align : top; border-spacing : 0px; border-collapse : collapse; margin : auto; text-align : center; white-space : nowrap; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; "> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">December 31, 2024</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Level 1</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Level 2</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; width: 1%;"> </td><td colspan="2" style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> <span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Level 3</span></td> <td style="vertical-align: bottom; text-align: center; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0); width: 1%;"> </td> </tr><tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Mutual funds </div> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;">307,131,380</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;">307,131,380</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Common stock of NBT Bancorp Inc. </div> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">35,226,305</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">35,226,305</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Stable value fund </div> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">18,539,578</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">18,539,578</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%;"> </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="border-bottom: 2px solid rgb(0, 0, 0); vertical-align: bottom; border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Cash and money market funds </div> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">86,728</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">86,728</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="vertical-align: bottom; text-align: justify; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">  - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-bottom: 4px double rgb(0, 0, 0); vertical-align: bottom; border-left-width: medium; border-left-style: none; border-left-color: currentcolor; padding-left: 10px;"> <div> Total </div> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;">360,983,991</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;">360,983,991</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> <td style="text-align: justify; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td><td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;"> - </td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr> </table> 363169532 363169532 0 0 30074182 30074182 0 0 17933465 17933465 0 0 31988 31988 0 0 411209167 411209167 0 0 307131380 307131380 0 0 35226305 35226305 0 0 18539578 18539578 0 0 86728 86728 0 0 360983991 360983991 0 0 <div style="text-indent: -36pt; text-align: justify; padding-left: 36pt; font-weight: bold;"> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="font-size: 10.0pt;">4.</span> </div> <div> <span style="font-size: 10.0pt;">Income Tax Status</span> </div> </div> <div style="text-align: justify; font-size: 10pt; clear: both;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan operates under an IRS pre-approved plan document, as administered by EPIC Retirement Plan Services. The latest IRS favorable opinion letter on the pre-approved plan document is dated June 30, 2020. Although the opinion letter is dated prior to the Plan’s amendment, the Plan Administrator and the Plan’s tax counsel believe that the Plan is designed and is currently being operated, in compliance with the applicable requirements of the IRC and, therefore, believe that the Plan is <span style="-sec-ix-hidden: hidden-fact-2">qualified</span> and the related trust is tax-exempt.</span> </div> true 2020-06-30 <div style="text-indent: -36pt; text-align: justify; padding-left: 36pt; font-weight: bold;"> <div style="float: left; width: 36.0pt; white-space: nowrap;"> <span style="font-size: 10.0pt;">5.</span> </div> <div> <span style="font-size: 10.0pt;">Party‑in‑Interest Transactions</span> </div> </div> <div style="text-align: justify; font-size: 10pt; clear: both;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Parties-in-interest are defined under Department of Labor regulations as any fiduciary of the Plan, any party rendering service to the Plan, the Employer, and certain others. Any transactions with parties-in-interest either fall outside the scope of, or are exempt from, ERISA’s prohibited transaction rules.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">The Plan's record keeper, Trustee, and Custodian, as well as the Company and Plan participants, and The Bonadio Group, the auditor of the Plan’s financial statements, are each a “party-in-interest" to the Plan as defined by ERISA.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Purchases of Company stock amounted to $3,824,520 and $4,560,353 and sales amounted to $3,236,945 and $6,099,149 for the years ended December 31, 2025 and 2024, respectively. At December 31, 2025 and 2024, the number of shares of Company stock held in participants’ accounts totaled 724,330 and 737,569, respectively, with a fair value of $30,074,182 and $35,226,305, respectively.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Notes receivable from participants totaling $3,492,310 and $3,450,393 at December 31, 2025 and 2024, respectively, qualify as party-in-interest transactions and are secured by balances in the respective participant accounts.</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">Dividend income earned by the Plan includes dividend income from shares of NBT Bancorp Inc. common stock and amounted to $1,043,188 and $1,022,466 for the years ended December 31, 2025 and 2024, respectively.</span> </div> 3824520 4560353 3236945 6099149 724330 737569 30074182 35226305 3492310 3450393 1043188 1022466 <div style="text-align: center;"> <span style="font-weight: bold;">NBT BANCORP INC.</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">401(k) AND EMPLOYEE STOCK OWNERSHIP PLAN</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">EIN#16-1268674 Plan #002</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">December 31, 2025</span> </div> <div style="text-align: justify; font-size: 10pt;">  </div> <table cellpadding="0" style="margin: auto; border-collapse: collapse; font-size: 10pt; font-family: &quot;Times New Roman&quot;, Times, serif; width: 100%; border-spacing: 0px;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 6%;"> </td> <td style="width: 40%;"> </td> <td style="width: 35%;"> </td> <td style="width: 1%;"> </td> <td style="width: 6%;"> </td> <td style="width: 1%;"> </td> <td style="width: 1%;"> </td> <td style="width: 9%;"> </td><td style="width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor; border-left-width: medium; border-left-style: none; border-left-color: currentcolor;"><span style="font-weight: 700; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">(a)</span></td> <td style="vertical-align : bottom; text-align : center; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; "><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-weight: bold;">(b)<br/>Identity of issuer, borrower, lessor, or similar <span style="text-decoration-thickness: initial; float: none; display: inline !important;">party</span></span></td> <td style="vertical-align : bottom; text-align : center; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; "><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-weight: bold;">(c)<span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: block;"><br/></span>Description of investment <span style="text-decoration-thickness: initial; float: none; display: inline !important;">including maturity date, rate of interest, collateral, par, or maturity value</span><br/></span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-weight: bold;">(d)<br/>Cost</span></td> <td style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); border-top-width: medium; border-top-style: none; border-top-color: currentcolor;"> </td> <td style="vertical-align : bottom; width : 9%; text-align : center; border-bottom : 2px solid black; border-top-color : black; border-right-color : black; border-left-color : black; white-space : nowrap; "><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-weight: bold;">(e)<span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: block;"><br/></span>Current value</span></td><td style="vertical-align: bottom; width: 1%; text-align: center; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr><tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: justify;"><div style="-sec-ix-hidden: hidden-fact-3"> Cash </div></td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-5">Cash</span> </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-4"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%;">31,469</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> <div style="text-indent: -4.5pt; padding-left: 4.5pt;"> * </div> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-6; text-indent: -7.2pt; padding-left: 7.2pt;"> Schwab Value Advantage Money Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-8">Money market fund</span> </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-7"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">519</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-9; text-indent: -7.2pt; padding-left: 7.2pt;"> Federated Hermes Capital Preservation Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-11">Stable value fund</span> </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-10"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">17,933,465</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-12; text-indent: -7.2pt; padding-left: 7.2pt;"> American Funds New Perspective Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-14">Mutual fund</span>, 198,969 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-13"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">14,035,242</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-15; text-indent: -7.2pt; padding-left: 7.2pt;"> American Fund EUPAC Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-17">Mutual fund</span>, 125,302 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-16"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">7,579,546</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-18; text-indent: -7.2pt; padding-left: 7.2pt;"> Columbia Dividend Income Fund S </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-20">Mutual fund</span>, 376,740 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-19"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">13,660,606</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-21; text-indent: -7.2pt; padding-left: 7.2pt;"> DFA Emerging Markets Portfolio Institutional </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-23">Mutual fund</span>, 37,254 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-22"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">1,383,225</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-24; text-indent: -7.2pt; padding-left: 7.2pt;"> DFA US Sustainability Core 1 Portfolio </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-26">Mutual fund</span>, 20,041 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-25"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">1,049,761</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-27; text-indent: -7.2pt; padding-left: 7.2pt;"> Dodge &amp; Cox Income Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-29">Mutual fund</span>, 740,667 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-28"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">9,517,569</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-30; text-indent: -7.2pt; padding-left: 7.2pt;"> Fidelity Inflation Protected Bond Index Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-32">Mutual fund</span>, 76,406 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-31"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">696,823</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-33; text-indent: -7.2pt; padding-left: 7.2pt;"> Fidelity 500 Index Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-35">Mutual fund</span>, 193,452 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-34"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">45,987,495</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-36; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Dividend Growth Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-38">Mutual fund</span>, 139,291 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-37"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">11,364,716</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-39; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Growth Stock Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-41">Mutual fund</span>, 400,662 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-40"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">43,087,176</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-42; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Mid Cap-Growth Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-44">Mutual fund</span>, 119,864 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-43"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">11,655,580</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-45; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement Balance Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-47">Mutual fund</span>, 110,543 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-46"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">1,548,701</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-48; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement 2010 Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-50">Mutual fund</span>, 84,112 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-49"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">1,345,785</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-51; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement 2020 Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-53">Mutual fund</span>, 899,776 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-52"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">17,761,583</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-54; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement 2030 Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-56">Mutual fund</span>, 1,997,972 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-55"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">55,443,730</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-57; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement 2040 Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-59">Mutual fund</span>, 1,359,620 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-58"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">46,770,911</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-60; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement 2050 Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-62">Mutual fund</span>, 1,606,807 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-61"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">34,771,297</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-63; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Retirement 2060 Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-65">Mutual fund</span>, 486,037 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-64"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">9,229,852</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-66; text-indent: -7.2pt; padding-left: 7.2pt;"> T-Rowe Price Small-Capital Value Fund </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-68">Mutual fund</span>, 174,660 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-67"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">8,951,336</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-69; text-indent: -7.2pt; padding-left: 7.2pt;"> Vanguard Balanced Index Fund Institutional </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-71">Mutual fund</span>, 137,779 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-70"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">7,138,315</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-72; text-indent: -7.2pt; padding-left: 7.2pt;"> Vanguard Intermediate US Treasury </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-74">Mutual fund</span>, 393,101 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-73"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">3,954,595</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-75; text-indent: -7.2pt; padding-left: 7.2pt;"> Vanguard Mid-Cap Index Fund Institutional </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-77">Mutual fund</span>, 179,727 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-76"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">14,266,742</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-78; text-indent: -7.2pt; padding-left: 7.2pt;"> Vanguard Short Term Bond Index Fund Admiral </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-80">Mutual fund</span>, 190,420 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-79"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">1,968,946</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> <div style="text-indent: -4.5pt; padding-left: 4.5pt;"> * </div> </td> <td style="vertical-align: bottom;"> <div style="-sec-ix-hidden: hidden-fact-81; text-indent: -7.2pt; padding-left: 7.2pt;"> NBT Bancorp Inc. </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-83">Common stock</span>, 724,330 shares </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-82"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%;">30,074,182</td><td style="vertical-align: bottom; text-align: left; width: 1%;"> </td> </tr> <tr style="vertical-align: top;"> <td style="vertical-align: bottom; text-align: justify;"> <div style="text-indent: -4.5pt; padding-left: 4.5pt;"> * </div> </td> <td style="vertical-align: bottom;"> <div style="text-indent: -7.2pt; padding-left: 7.2pt;"> Participant loans receivable </div> </td> <td style="vertical-align: bottom; text-align: justify;"> <span style="-sec-ix-hidden: hidden-fact-85">Interest rates</span> – 4.25% – 10.00% </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"><div style="-sec-ix-hidden: hidden-fact-84"> ** </div></td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: left; width: 1%; border-bottom: 2px solid black;"> </td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid black;">3,492,310</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr> <tr style="vertical-align: top; background-color: rgb(204, 238, 255);"> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom;"> </td> <td style="vertical-align: bottom; text-align: right;"> </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="vertical-align: bottom; text-align: center;"> </td> <td style="vertical-align: bottom; text-align: justify;"> </td> <td style="text-align: left; vertical-align: top; border-spacing: 0px; border-collapse: collapse; margin: auto; width: 1%; border-bottom: 4px double black;">$</td> <td style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double black;">414,701,477</td><td style="vertical-align: bottom; text-align: left; width: 1%; border-width: medium medium 4px; border-style: none none double; border-color: currentcolor currentcolor rgb(0, 0, 0);"> </td> </tr> </table><div style="text-align: justify; font-size: 10pt;">  </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">*Party-in-interest.</span> </div> <div style="text-align: justify;"> <span style="font-size: 10.0pt;">** Cost omitted for these participant directed investments.</span> </div> 401(k) AND EMPLOYEE STOCK OWNERSHIP PLAN 16-1268674 002 31469 true 519 17933465 198969 14035242 125302 7579546 376740 13660606 37254 1383225 20041 1049761 740667 9517569 76406 696823 193452 45987495 139291 11364716 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