EX-21 5 ex21.htm EXHIBIT 21

EXHIBIT 21
List of Subsidiaries of the Registrant

|  | Jurisdiction of Incorporation |  | Names Under Which Subsidiary does Business
NBT Bancorp Inc. Subsidiaries: |  |  |  |
NBT Bank, National Association |  | Organized in the United States of America |  | NBT Bank
NBT Financial Services, Inc. |  | Delaware |  | NBT Financial Services
CNBF Capital Trust I |  | Delaware |  | CNBF Capital Trust I
NBT Statutory Trust I |  | Delaware |  | NBT Statutory Trust I
NBT Statutory Trust II |  | Delaware |  | NBT Statutory Trust II
NBT Holdings, Inc. |  | New York |  | NBT Holdings
Alliance Financial Capital Trust I |  | Delaware |  | Alliance Financial Capital Trust I
Alliance Financial Capital Trust II |  | Delaware |  | Alliance Financial Capital Trust II
NBT Bank, National Association Subsidiaries: |  |  |  |
NBT Capital Corp. |  | New York |  | NBT Capital Corp
NBT Capital Management, Inc. |  | New York |  | NBT Capital Management
Broad Street Property Associates, Inc. |  | New York |  | Broad Street Property Associates
FNB Financial Services, Inc. |  | Delaware |  | FNB Financial Services
CNB Realty Trust |  | Maryland |  | CNB Realty Trust
NBT Financial Services, Inc. Subsidiaries: |  |  |  |
Pennstar Financial Services, Inc. |  | Pennsylvania |  | Pennstar Financial Services
EPIC Advisors, Inc. |  | New York |  | EPIC Retirement Plan Services
NBT Holdings, Inc. Subsidiaries: |  |  |  |
NBT Insurance Agency, LLC |  | New York |  | NBT Insurance Agency