Mar. 1 at 10:36 PM
                            
$NBTB - NBT Bancorp Inc. Common Stock - 10K - Updated Risk Factors 
 
The 2025 10-K Risk Factor section for NBTB highlights increased macroeconomic vulnerabilities, local market dependencies, interest rate pressures, and a shift to broader credit loss risks. New risks include AI impacts, merger uncertainties, and regulatory changes, with a focus on strategic competition and operational challenges. #Risk 
 
https://d-risk.ai/NBTB/10-K/2025-02-28