NBT Bancorp Inc. (NBTB) Q3 2023 Earnings Call Transcript

NBT Bancorp Inc. (NASDAQ:NBTB) Q3 2023 Earnings Conference Call October 25, 2023 8:30 AM ET

Company Participants

John Watt - President & Chief Executive Officer
Scott Kingsley - Chief Financial Officer
Annette Burns - Chief Accounting Officer
Joseph Ondesko - Treasurer
Joseph Stagliano - Chief Information Officer and President of Retail Banking

Conference Call Participants

Alexander Twerdahl - Piper Sandler Companies
Steve Moss - Raymond James
Chris O'Connell - KBW
Matthew Breese - Stephens Inc.

Operator

Good day, everyone. Welcome to the NBT Bancorp's Third Quarter 2023 Financial Results Conference Call. This call is being recorded and has been made accessible to the public in accordance with the SEC Regulation FD. Corresponding presentation slides can be found on the Company's website @nbtbancorp.com.

Before the call begins, NBT's management would like to remind listeners that, as noted on Slide 2, today's presentation may contain forward-looking statements as defined by the Securities and Exchange Commission. Actual results may differ from those projected.

In addition, certain non-GAAP measures will be discussed. Reconciliations for these numbers as contained within the appendix of today's presentation. At this time, all participants are on a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. As a reminder, this call is being recorded.

I would now like to turn the conference over to NBT Bancorp President and CEO, John H. Watt, Jr. for his opening remarks. Mr. Watt, please begin.

John Watt

Thank you, Michelle, and good morning, and thank you all for participating in this earnings call covering NBT Bancorp's third quarter 2023 results. Joining me today are NBT's Chief Financial Officer, Scott Kingsley, our Chief Accounting Officer, Annette Burns, our Treasurer, Joe Ondesko, and our Chief Information Officer and President of Retail Banking, Joe Stagliano.

It was a very