# NBT Bancorp vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/nbt/vs-peers
Last updated: Oct 20, 2026

*Part of the [NBT Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/nbt). Peer group: Community Financial System (Community Bank, N.A.), First Commonwealth Financial Corporation, Fulton Financial Corporation, Beacon Financial Corporation, Independent Bank Corp. (Rockland Trust), Eastern Bankshares, OceanFirst Financial Corp., Dime Commercial Bancshares.*

## How does NBT Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index NBT Bancorp scores 14.1 (#100 of 120 US banks), eighth in a nine-bank Northeast group, ahead only of Dime (10.5) and well behind Fulton (44.3), Community Bank N.A. (41.9) and OceanFirst (40.5). The gap is in what NBT has disclosed, not necessarily what it runs. Its 2025 10-K says AI use 'varies across platforms', mostly inside third-party systems, and that internally built AI-enabled tools pass through its Solutions Development Lifecycle with model validation; CEO Scott Kingsley's April 2026 letter says embedded AI is reducing workload so staff can focus on relationships. It names no AI tool, use case, budget or AI executive, and its Q1 and Q2 2026 10-Qs do not mention AI. Peers have put specifics on the record. Community Bank's CEO said in July 2026 that more than a dozen people work on AI and its data-processing expense rose 17.9% partly on AI applications; Fulton had 3,000 employees using Salesforce Agentforce six weeks after its first agent (September 2026); OceanFirst runs the HAILEY virtual assistant and Microsoft Copilot across all departments (May 2026). Where NBT does stand out is governance groundwork: it was one of the institutions credited with contributing to FS-ISAC's AI risk framework in February 2024, and its technology and data services expense rose to $44.0 million in 2025 from $39.1 million in 2024. Its CEO said in July 2026 that smaller banks' technology needs create an acquisition opportunity for NBT. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm), [Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [OceanFirst Bank](https://oceanfirst.com/blog/4-ways-oceanfirst-is-making-banking-more-convenient), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [American Banker](https://www.americanbanker.com/news/banks-unite-to-tackle-ai-risks-with-cybersecurity-guidance), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-nbt-bancorp-posts-solid-q2-2026-results-stock-little-changed-93CH-4817422))

## Where does NBT lead its peers on AI?

- **A contributor to the industry's AI risk framework.** NBT is named among the institutions that helped develop FS-ISAC's six papers on AI risk and responsible AI use in financial services (February 2024). No other bank in its nine-bank group is credited on its profile with work on an industry AI framework. ([American Banker](https://www.americanbanker.com/news/banks-unite-to-tackle-ai-risks-with-cybersecurity-guidance))
- **AI tools routed through a validation lifecycle in the 10-K.** NBT's 2025 10-K says internally developed AI-enabled tools are evaluated through its Solutions Development Lifecycle, including model validation and other risk controls. Rockland Trust's AI governance model was still 'in process' in its September 2026 deck, and Beacon's filings since its merger mention AI only in risk factors. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110465926095466/tm2622869d1_ex99-1.htm))
- **Technology owned by the bank's president.** NBT's 2026 proxy lists Joseph Stagliano as Senior EVP, President of NBT Bank and Chief Information Officer, responsible for IT and operations. At Rockland Trust technology moved under a chief administrative officer in November 2025; Dime has no executive officer with an AI or data title. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013237/ny20059955x1_def14a.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000079/indb-20260326.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm))

## Where does NBT trail its peers on AI?

- **No named AI tool or use case while peers name theirs.** NBT names no AI product, vendor or use case. Fulton runs Salesforce Agentforce (3,000 employees six weeks after its first agent) and NICE Copilot summaries; OceanFirst runs HAILEY and Microsoft Copilot across all departments; First Commonwealth cites a vendor call-center AI feature among 'a dozen or more' uses. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505))
- **No AI headcount, against Community Bank's dozen-plus.** NBT discloses no AI team. Community Bank N.A.'s CEO said in July 2026 that more than a dozen people work on AI, a handful fully dedicated, and Rockland Trust named three dedicated AI staff in its 2026 guidance. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013237/ny20059955x1_def14a.htm), [Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524))
- **Silent on AI in 2026 filings and calls.** NBT's Q1 and Q2 2026 10-Qs contain no AI language, and its 2026 earnings calls discussed technology investment without AI. Community Bank has tied AI applications to its data-processing expense growth in each of the last three quarterly releases. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/24/nbtb-q1-2026-earnings-call-transcript), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926006834/tm264116d1_ex99-1.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926050927/tm2613014d1_ex99-1.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm))
- **No customer AI assistant.** NBT's digital platform offers credit-score access and a personal financial management tool, with no AI assistant described. OceanFirst's HAILEY answers balance and transaction questions by phone, web and app, and Community Bank set a customer AI solution as a 2026 launch objective. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [OceanFirst Bank](https://oceanfirst.com/blog/4-ways-oceanfirst-is-making-banking-more-convenient), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000114036126011565/ny20064673x1_def14a.htm))

## Where does NBT rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | [41.9](https://www.bankingnewsai.com/banks/ai-index) | #68 of 120 | [4](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [24](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [9 of 12](https://www.bankingnewsai.com/banks/community-bank-na#where) | [12](https://www.bankingnewsai.com/banks/community-bank-na#timeline) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | [40.5](https://www.bankingnewsai.com/banks/ai-index) | #70 of 120 | [4](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [16](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [9 of 16](https://www.bankingnewsai.com/banks/oceanfirst#where) | [15](https://www.bankingnewsai.com/banks/oceanfirst#timeline) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | [36.3](https://www.bankingnewsai.com/banks/ai-index) | #81 of 120 | [5](https://www.bankingnewsai.com/banks/eastern#sources) | [20](https://www.bankingnewsai.com/banks/eastern#sources) | [9 of 13](https://www.bankingnewsai.com/banks/eastern#where) | [17](https://www.bankingnewsai.com/banks/eastern#timeline) | Not disclosed |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #86 of 120 | [3](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [20](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [3 of 10](https://www.bankingnewsai.com/banks/rockland-trust#where) | [20](https://www.bankingnewsai.com/banks/rockland-trust#timeline) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | [28.5](https://www.bankingnewsai.com/banks/ai-index) | #90 of 120 | [6](https://www.bankingnewsai.com/banks/beacon#sources) | [13](https://www.bankingnewsai.com/banks/beacon#sources) | [8 of 10](https://www.bankingnewsai.com/banks/beacon#where) | [13](https://www.bankingnewsai.com/banks/beacon#timeline) | Not disclosed |
| [First Commonwealth Financial Corporation](https://www.bankingnewsai.com/banks/first-commonwealth) | [25.9](https://www.bankingnewsai.com/banks/ai-index) | #94 of 120 | [6](https://www.bankingnewsai.com/banks/first-commonwealth#sources) | [14](https://www.bankingnewsai.com/banks/first-commonwealth#sources) | [7 of 8](https://www.bankingnewsai.com/banks/first-commonwealth#where) | [10](https://www.bankingnewsai.com/banks/first-commonwealth#timeline) | Not disclosed |
| [NBT Bancorp (this page)](https://www.bankingnewsai.com/banks/nbt) | [14.1](https://www.bankingnewsai.com/banks/ai-index) | #100 of 120 | [3](https://www.bankingnewsai.com/banks/nbt#sources) | [15](https://www.bankingnewsai.com/banks/nbt#sources) | [6 of 8](https://www.bankingnewsai.com/banks/nbt#where) | [12](https://www.bankingnewsai.com/banks/nbt#timeline) | Not disclosed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | [10.5](https://www.bankingnewsai.com/banks/ai-index) | #102 of 120 | [3](https://www.bankingnewsai.com/banks/dime#sources) | [13](https://www.bankingnewsai.com/banks/dime#sources) | [2 of 8](https://www.bankingnewsai.com/banks/dime#where) | [13](https://www.bankingnewsai.com/banks/dime#timeline) | Not disclosed |

## On which parts of the AI record is NBT ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of NBT and the 8 peers that are scored on the same basis. "Place" is NBT's position in the group of 9 (1st = most).

| Component (weight) | NBT | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 4.5 | [First Commonwealth (6)](https://www.bankingnewsai.com/banks/first-commonwealth) | 7th of 9 |
| Use cases in production (10%) | 6 | 8.5 | [Fulton (10)](https://www.bankingnewsai.com/banks/fulton) | 7th of 9 |
| Own primary disclosures (10%) | 15 | 18 | [Community Bank N.A. (24)](https://www.bankingnewsai.com/banks/community-bank-na) | 6th of 9 |
| Dated moves, last 12 months (10%) | 12 | 14 | [Rockland Trust (20)](https://www.bankingnewsai.com/banks/rockland-trust) | 7th of 9 |
| Disclosed numbers (5%) | 10 | 11.5 | [Community Bank N.A. (14)](https://www.bankingnewsai.com/banks/community-bank-na) | 7th of 9 |
| Named AI leaders (5%) | 6 | 5.5 | [Fulton (8)](https://www.bankingnewsai.com/banks/fulton) | 4th of 9 |
| Use cases described (5%) | 8 | 11 | [OceanFirst (16)](https://www.bankingnewsai.com/banks/oceanfirst) | 7th of 9 |

## What has each bank in NBT's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | Not disclosed | [6, incl. Scott A. Kingsley (President and CEO)](https://www.bankingnewsai.com/banks/nbt#people) ([NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2024/05/21/2885872/15780/en/NBT-Bancorp-Inc-Completes-Leadership-Transition.html)) | Full-time equivalent employees: 2,303 (Dec 31, 2025) ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm)) | Not disclosed | Not surveyed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) | [5, incl. Dimitar A. Karaivanov (President and CEO)](https://www.bankingnewsai.com/banks/community-bank-na#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [American Banker](https://www.americanbanker.com/news/new-york-bank-doubles-down-on-insurance-with-big-investment)) | Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html)) | Not disclosed | Not surveyed |
| [First Commonwealth Financial Corporation](https://www.bankingnewsai.com/banks/first-commonwealth) | Not disclosed | [6, incl. Mike Price (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/first-commonwealth#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505)) | Full-time employees: 1,522 full-time and 55 part-time (Dec 31, 2025) ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) | Not disclosed | Not surveyed |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | Not disclosed | [5, incl. Sean A. Gray (Chief Executive Officer)](https://www.bankingnewsai.com/banks/beacon#people) ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Digital-banking users / transactions converted to Narmi One: > 55,000 users from three brands / 40 million transactions in a single day (Mar 2, 2026) ([Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Not disclosed | Not surveyed |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) | [5, incl. Jeffrey Tengel (Chief Executive Officer)](https://www.bankingnewsai.com/banks/rockland-trust#people) ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html)) | Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/rockland-trust#roles) |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | Not disclosed | [7, incl. Denis Sheahan (Chief Executive Officer)](https://www.bankingnewsai.com/banks/eastern#people) ([American Banker](https://americanbanker.com/news/eastern-swears-off-m-a-amid-activist-investors-pressure), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html)) | Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (Apr 1, 2026) ([Eastern Bank (Boston Business Journal)](https://bizjournals.com/boston/news/2026/04/01/building-future-insights-middle-market-business.html)) | Not disclosed | Not surveyed |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | [8, incl. Christopher D. Maher (Chief Executive Officer)](https://www.bankingnewsai.com/banks/oceanfirst#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324), [OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus)) | Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025) ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | Not disclosed | Not surveyed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | Not disclosed | [4, incl. Stuart Lubow (President and CEO)](https://www.bankingnewsai.com/banks/dime#people) ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) | Executive officers in the 2026 proxy with an AI or data title: 0 of 14 (one technology and operations officer) (Apr 13, 2026) ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of NBT and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Q3 2026 call: core upgrade moved to February 2027; early AI applications in beta ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Third-quarter 2026 results: record earnings ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20261014247987/en/Independent-Bank-Corp.-Reports-Third-Quarter-Net-Income-of-%2489.7-Million)) |
| Oct 5, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | Third-quarter 2026 results date set ([Eastern Bankshares (Yahoo Finance)](https://finance.yahoo.com/news/eastern-bankshares-inc-announces-third-151500524.html)) |
| Sep 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 21, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Flushing digital banking customers scheduled to move to OceanFirst platforms ([OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |
| Sep 21, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Sean Gray succeeds Paul Perrault as CEO ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Banking Dive](https://bankingdive.com/news/beacon-names-coo-sean-gray-ceo-perrault-retires-brookline-berkshire-merger/830979)) |
| Sep 16, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | State supervisors publish an AI framework for examiners ([Banking Dive](https://www.bankingdive.com/news/csbs-ai-framework-banks-examiners-risk/830683/), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm)) |
| Aug 13, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Investor presentation lists the conversion as a milestone, not AI ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110465926095466/tm2622869d1_ex99-1.htm)) |
| Aug 12, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | New Jersey push ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) |
| Aug 10, 2026 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 10-Q: no AI language ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000022/fcf-20260331.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm)) |
| Aug 7, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Q2 2026 10-Q lists AI adoption among operational risks ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm)) |
| Aug 7, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 10-Q: AI applications again cited for data-processing growth ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926092717/cbu-20260630x10q.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Aug 7, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 10-Q: no AI language ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm)) |
| Jul 31, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | Q2 2026 10-Q has no AI text ([Dime Commercial Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm)) |
| Jul 29, 2026 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 call: call-centre AI example ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-q2-123000772.html)) |
| Jul 28, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 call: headcount flat, AI impact to be known in about six months ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Jul 28, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 call: technology investment in the expense outlook ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html)) |

## What has NBT disclosed about AI compared with its Northeast peers?

The most specific AI disclosure each bank has made, with its date and where it appeared. A blank means nothing is disclosed, not that nothing exists.

| Bank | Most specific AI disclosure | Where | Date |
| --- | --- | --- | --- |
| NBT | AI embedded in third-party systems; internal AI-enabled tools evaluated through the Solutions Development Lifecycle with model validation | 2025 10-K; annual-report letter | February and April 2026 ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf)) |
| Community Bank N.A. | More than a dozen people on AI; data-processing expense up 17.9% partly on AI applications | Q2 2026 call and earnings release | July 2026 ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Fulton | Salesforce Agentforce used by 3,000 employees six weeks after the first agent | Salesforce at Dreamforce | September 2026 ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| OceanFirst | HAILEY (kore.ai) virtual assistant; Microsoft Copilot across all departments; Databricks data platform | Investor presentation | May 2026 ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm)) |
| Rockland Trust | Office of Digital Innovation; AI steering committee; three dedicated AI staff | Earnings calls | January and April 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/independent-bank-indb-earnings-call-transcript)) |
| Eastern | 'Embedded AI into key systems and processes and enabled broad employee usage' | 2026 proxy | March 2026 ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm)) |
| First Commonwealth | A vendor call-center AI feature surfacing policy in real time | Q2 2026 call | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505)) |

## How does NBT's technology spending compare with its peers'?

Technology or data-processing expense as each bank reports it; the lines are defined differently, so compare direction more than level.

| Bank | Technology expense disclosed | Change | Period |
| --- | --- | --- | --- |
| NBT | Technology and data services $44.0 million in 2025; $11.85 million in Q2 2026 | Up from $39.1 million in 2024; up from $10.80 million in Q2 2025 | 2025; Q2 2026 ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_ex99-1.htm)) |
| Community Bank N.A. | Data processing and communications $19.7 million in Q2 2026 | Up 17.9% year on year, partly on AI applications | Q2 2026 ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Beacon | Core processing system and software at cost $28.4 million | Up from $27.0 million | 2025 ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026013247/brkl-20251231.htm)) |
| OceanFirst | About $2 million one-time for a new digital banking platform in Q3 2026 guidance | Not applicable | July 2026 ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |
| Rockland Trust | One-time core-upgrade costs guided at $5 million to $6 million | Raised from $4 million to $5 million | 2026 ([Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |

## How do NBT's recent acquisitions compare with its peers'?

The deal each bank has been integrating, which shapes how much technology capacity is left for AI.

| Bank | Deal | Scale | Closed or converted |
| --- | --- | --- | --- |
| NBT | Evans Bancorp | 18 banking locations in Western New York; about 200 employees | May 2, 2025 ([NBT Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/05/05/3074130/15780/en/NBT-Bancorp-Inc-Completes-Merger-With-Evans-Bancorp-Inc.html), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_ex99-1.htm)) |
| Community Bank N.A. | Seven Santander branches; ClearPoint Federal Bank & Trust | $543.7 million of deposits; $40 million | November 2025; 2026 ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926021651/cbu-20251231x10k.htm), [American Banker](https://americanbanker.com/news/upstate-ny-lender-to-buy-bank-with-funeral-planning-focus)) |
| Beacon | Berkshire Hills and Brookline merger of equals | About $24 billion of assets; 145-plus branches | September 1, 2025 ([American Banker](https://americanbanker.com/news/two-merging-boston-banks-to-rebrand-under-new-beacon-name), [Beacon Financial (PR Newswire)](https://prnewswire.com/news-releases/beacon-financial-corporation-announces-debut-of-beacon-bank-302694053.html)) |
| Rockland Trust | Enterprise Bancorp | $3.9 billion of loans; $4.4 billion of deposits; 27 branches | July 1, 2025 ([Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000058/indb-20251231.htm)) |
| Fulton | Blue Foundry Bancorp | $243 million in stock | April 1, 2026; converted July 11, 2026 ([American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m), [Fulton Financial (PR Newswire)](https://prnewswire.com/news-releases/fulton-financial-corporation-completes-acquisition-of-blue-foundry-bancorp-302731367.html), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-)) |
| OceanFirst | Flushing Financial | Combined 71 branches | June 1, 2026; digital conversion September 21, 2026 ([OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus), [Yahoo Finance](https://finance.yahoo.com/quote/OCFC/earnings/OCFC-Q2-2026-earnings_call-654444.html)) |

## How does NBT's digital banking compare with its peers'?

The customer digital features and figures each bank discloses.

| Bank | Customer digital offer | Figure | Date |
| --- | --- | --- | --- |
| NBT | Digital platform with credit-score access and a personal financial management tool; Bank On-certified iSelect account | More than 26,000 iSelect accounts opened since 2021 | February 2026 ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm)) |
| Community Bank N.A. | Digital banking; a customer AI solution targeted for 2026 | 88% of customers registered for digital banking | February 2026 ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926013099/tm265898d1_8k.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000114036126011565/ny20064673x1_def14a.htm)) |
| OceanFirst | HAILEY virtual assistant by phone, web, app and online banking | 45 human call-center agents | October 2025; March 2026 ([OceanFirst Bank](https://oceanfirst.com/blog/4-ways-oceanfirst-is-making-banking-more-convenient), [OceanFirst Bank (BizTech Magazine reprint)](https://oceanfirst.com/newsroom/biztech-magazine)) |
| Beacon | Narmi One digital banking across three brands | More than 55,000 users converted | March 2026 ([Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) |
| Fulton | Chat as a new channel; NICE Copilot summaries for agents | More than 3 million customer interactions a year | September 2026 ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |

## Which banks are NBT's peers, and why these?

NBT Bancorp is compared here with Community Financial System (Community Bank, N.A.), First Commonwealth Financial Corporation, Fulton Financial Corporation, Beacon Financial Corporation, Independent Bank Corp. (Rockland Trust), Eastern Bankshares, OceanFirst Financial Corp. and Dime Commercial Bancshares: chosen by the editors for this page (see the note below the table). NBT Bancorp is classed as a regional or retail-commercial bank in the Northeast.

The computed group included Banner (Washington) and First United (Oklahoma), which share none of NBT's markets; this group keeps the Northeast and Pennsylvania regionals of similar size, led by Community Bank N.A., its closest rival in upstate New York, and adds Fulton and Eastern, while the much larger M&T and KeyBank are compared on the competitors page.

## Common questions

### Does NBT Bank use AI?

Yes, by its own account, mostly inside vendor systems. NBT's 2025 10-K says certain third-party systems incorporate AI into routine operations and that internally developed AI tools go through model validation; the CEO's April 2026 letter says embedded AI is reducing workload. NBT has not named a tool, use case or AI budget. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf))

### Is NBT behind Community Bank N.A. on AI?

On the public record, yes: Community Bank scores 41.9 on this site's disclosure index and NBT 14.1. Community Bank discloses an AI team of more than a dozen people, AI-linked expense growth and an AI governance framework in its 10-K. NBT discloses governance and a responsible-use stance but no AI staffing or tools. ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926021651/cbu-20251231x10k.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf))

### Does NBT have an AI virtual assistant?

None is disclosed. NBT's digital platform offers credit-score access and a personal financial management tool. Among its Northeast peers, OceanFirst runs the HAILEY virtual assistant by phone, web and app, and Fulton's contact center uses NICE Copilot summaries and has added chat. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [OceanFirst Bank](https://oceanfirst.com/blog/4-ways-oceanfirst-is-making-banking-more-convenient), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents))

### Who leads AI and technology at NBT?

NBT has named no AI executive. Joseph Stagliano is Senior EVP, President of NBT Bank and Chief Information Officer, responsible for IT and operations, per the 2026 proxy. Its cyber programme runs through the Chief Risk Officer, a role Joe Sergienko took over from Amy Wiles in mid-2026. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013237/ny20059955x1_def14a.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126002399/ef20063876_8k.htm))

### How does NBT's technology spending compare with its peers'?

NBT's technology and data services expense was $44.0 million in 2025, up from $39.1 million, and $11.85 million in Q2 2026. Community Bank's data-processing and communications expense was $19.7 million in Q2 2026, up 17.9%. NBT guided 2026 operating expense growth of 2.5% to 3%, including technology investment. ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_ex99-1.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html))

### How does NBT compare with Fulton on AI?

Fulton scores 44.3 on this site's index against NBT's 14.1. Fulton says 3,000 employees used Salesforce Agentforce six weeks after its first agent and that its contact center, serving more than 3 million interactions a year, uses NICE Copilot summaries. NBT names no comparable tool. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm))

### Has NBT done anything on AI governance?

Yes. It is credited with contributing to FS-ISAC's AI risk framework for financial services (February 2024), its 10-K routes internally developed AI tools through a validation lifecycle and names generative-AI confidentiality and IP risks, and the CEO's letter describes AI used 'thoughtfully and responsibly'. ([American Banker](https://www.americanbanker.com/news/banks-unite-to-tackle-ai-risks-with-cybersecurity-guidance), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf))

### How does NBT compare with OceanFirst on AI?

OceanFirst scores 40.5 on this site's index against NBT's 14.1. OceanFirst names its stack: a Databricks data platform, the kore.ai-based HAILEY virtual assistant and Microsoft Copilot across all departments, governed by an Automation Transformation Office. NBT says its AI sits mostly inside third-party systems and names no tool. ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm))

### How does NBT compare with Rockland Trust on AI?

Rockland Trust scores 32.1 on this site's index against NBT's 14.1. Rockland set up an Office of Digital Innovation and an AI steering committee in early 2026 and budgeted three dedicated AI staff. NBT discloses governance through its development lifecycle and a responsible-use stance, but no AI team. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/independent-bank-indb-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm), [NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf))

## Peers on this site

- [Community Financial System (Community Bank, N.A.) AI strategy](https://www.bankingnewsai.com/banks/community-bank-na) · [vs peers](https://www.bankingnewsai.com/banks/community-bank-na/vs-peers)
- [First Commonwealth Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/first-commonwealth) · [vs peers](https://www.bankingnewsai.com/banks/first-commonwealth/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [Beacon Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/beacon) · [vs peers](https://www.bankingnewsai.com/banks/beacon/vs-peers)
- [Independent Bank Corp. (Rockland Trust) AI strategy](https://www.bankingnewsai.com/banks/rockland-trust) · [vs peers](https://www.bankingnewsai.com/banks/rockland-trust/vs-peers)
- [Eastern Bankshares AI strategy](https://www.bankingnewsai.com/banks/eastern) · [vs peers](https://www.bankingnewsai.com/banks/eastern/vs-peers)
- [OceanFirst Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/oceanfirst) · [vs peers](https://www.bankingnewsai.com/banks/oceanfirst/vs-peers)
- [Dime Commercial Bancshares AI strategy](https://www.bankingnewsai.com/banks/dime) · [vs peers](https://www.bankingnewsai.com/banks/dime/vs-peers)

## Sources

1. NBT Bancorp Inc. Form 10-K for the fiscal year ended December 31, 2025 — NBT Bancorp (SEC filing), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm
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