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<url><loc>https://stock.noler.com/us/stock/nbtb/defined-benefit-plan-assumptions-used-calculating-benefit-obligation-weighted-average-interest-crediting-rate</loc></url>
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<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-after-one-through-five-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-after-one-through-five-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-after-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-after-ten-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-within-one-year-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-debt-maturities-within-one-year-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-in-unrealized-loss-positions-qualitative-disclosure-number-of-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-sold-security-at-carrying-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrealized-loss-position-12-months-or-longer-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrealized-loss-position-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrealized-loss-position-less-than-12-months-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrealized-loss-position-less-than-twelve-months-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrealized-loss-position-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrealized-loss-position-twelve-months-or-longer-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrecognized-holding-gains</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrecognized-holding-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/held-to-maturity-securities-unrecognized-holding-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/heldtomaturity-securities-sold-security-realized-gain-loss-excluding-other-than-temporary-impairments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/heldtomaturity-securities-unrealized-loss-position-12-months-or-longer-aggregate-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/heldtomaturity-securities-unrealized-loss-position-aggregate-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/heldtomaturity-securities-unrealized-loss-position-less-than-12-months-aggregate-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/heldtomaturity-securities-unrecognized-holding-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impaired-financing-receivable-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impaired-financing-receivable-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impaired-financing-receivable-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/impairment-of-intangible-assets-finitelived</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/included-in-etf</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax-examination-interest-accrued</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax-examination-interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax-paid-federal-after-refund-received</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-tax-paid-state-and-local-after-refund-received</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/income-taxes-paid-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-life-insurance-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-operating-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-other-operating-capital-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/increase-decrease-in-other-operating-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/indefinite-lived-intangible-assets-excluding-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/insider-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/insurance-agency-management-fee</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/insurance-commissions-and-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/intangible-assets-net-excluding-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-and-dividend-income-securities-available-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-and-dividend-income-securities-held-to-maturity</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-and-fee-income-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense-junior-subordinated-debentures</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense-short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-expense-subordinated-notes-and-debentures</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-income-available-for-sale-debt-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/iran-activity-notices-irannotice</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/junior-subordinated-debenture-owed-to-unconsolidated-subsidiary-trust</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/late-filing-notices-nt-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/lessee-operating-lease-liability-payments-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/level-3-asset-transfers-into-level</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/level-3-asset-transfers-out-of-level</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/liabilities-assumed</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/liabilities-assumed-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/line-of-credit-facility-current-borrowing-capacity</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-net-of-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-related-parties</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-related-parties-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-related-parties-collections</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-and-leases-receivable-related-parties-proceeds</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-held-for-sale-mortgages</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-receivable-held-for-sale-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-receivable-held-for-sale-net-not-part-of-disposal-group</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/loans-receivable-held-for-sale-net-not-part-of-disposal-group-mortgage</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/market-cap</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/marketing-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/material-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/maturities-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-cash-from</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-cash-from-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-cash-from-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-cash-from-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/net-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/new-accounting-pronouncement-or-change-in-accounting-principle-cumulative-effect-of-change-on-equity-or-net-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/news</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/non-peo-neo-avg-comp-actually-paid-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/non-peo-neo-avg-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/noninterest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/noninterest-bearing-deposit-liabilities-domestic</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/notes-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/number-of-reportable-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-amortization-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-prior-service-cost-credit-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-amortization-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-prior-service-cost-credit-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-amortization-of-defined-benefit-plan-net-prior-service-cost-credit-recognized-in-net-periodic-benefit-cost-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-amortization-of-defined-benefit-plan-net-prior-service-cost-recognized-in-net-periodic-pension-cost-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-amortization-pension-and-other-postretirement-benefit-plans-net-prior-service-cost-recognized-in-net-periodic-pension-cost-tax-effect</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-after-reclassification-and-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-before-reclassification-after-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-before-reclassification-and-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-before-reclassification-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-reclassification-after-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-cash-flow-hedge-gain-loss-reclassification-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-defined-benefit-plans-net-unamortized-gain-loss-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-defined-benefit-plans-net-unamortized-gain-loss-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-pension-and-other-postretirement-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-pension-and-other-postretirement-benefit-plans-net-unamortized-gain-loss-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-on-derivatives-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-on-derivatives-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-on-derivatives-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-securities-sale-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-securities-sale-reclassification-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-securities-sale-reclassification-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-unrealized-gain-loss-on-derivatives-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-unrealized-gain-loss-on-derivatives-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-unrealized-gain-loss-on-derivatives-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-unrealized-holding-gain-loss-on-securities-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-unrealized-holding-gain-loss-on-securities-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/oci-unrealized-holding-gain-loss-on-securities-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-right-of-use-asset-amortization-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-leases-rent-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/operating-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/options-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-deferred-costs-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-interest-and-dividend-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-postretirement-benefit-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-postretirement-defined-benefit-plan-liabilities-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-than-temporary-impairment-losses-investments-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/outstanding-bonds</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/patents-active</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-for-origination-and-purchases-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-for-origination-of-mortgage-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-for-proceeds-from-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-for-purchase-of-securities-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-of-debt-extinguishment-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-of-debt-issuance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-businesses-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-equity-securities-fv-ni</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-loans-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/payments-to-acquire-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pb-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pe-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/peer-group-total-shareholder-rtn-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pledged-financial-instruments-not-separately-reported-securities-pledged</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pre-tax-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/preferred-shares-facts</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/preferred-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/preferred-stock-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/preferred-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/previous-etf-holding-it</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/price-fcf-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/pro-forma-weighted-average-shares-outstanding-diluted</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-issuance-of-other-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-issuance-of-shares-under-incentive-and-share-based-compensation-plans</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-issuance-of-shares-under-incentive-and-share-based-compensation-plans-including-stock-options</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-issuance-of-subordinated-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-issuance-of-trust-preferred-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-repayments-of-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-equity-securities-fv-ni</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-sale-of-trading-securities-heldforinvestment</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/proceeds-from-stock-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/profit-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/provision-for-loan-losses-expensed</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/ps-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/quick-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/reclassification-from-accumulated-oci-current-period-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/repayments-of-other-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/repayments-of-subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/return-on-tangible-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/revenue</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/revenue-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/right-of-use-asset-obtained-in-exchange-for-operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/roa</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/roe</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/roi</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/scorecard</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-enforcement-actions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-filings-25-nse</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sec-filings-s-4</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/secondary-offerings</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/security-deposit</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/servicing-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/servicing-asset-at-amortized-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/short-sale-volume</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/short-term-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/state-and-local-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/statutory-accounting-practices-statutory-amount-available-for-dividend-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-expected-dividend-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-expected-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-expected-volatility-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-expected-volatility-rate-maximum</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-expected-volatility-rate-minimum</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-risk-free-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-risk-free-interest-rate-maximum</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-fair-value-assumptions-risk-free-interest-rate-minimum</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-award-number-of-shares-available-for-grant</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-new-shares-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-shares-new-issues</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-shares-restricted-stock-award-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-shares-restricted-stock-award-net-of-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-shares-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-value-restricted-stock-award-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-shares-issued-value-restricted-stock-award-net-of-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-value-of-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-issued-value-of-shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-repurchase-program-remaining-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/stock-splits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/sublease-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/subsidiaries</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/supplies-and-postage-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-rate-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-rate-reconciliation-tax-credits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-rate-reconciliation-tax-cuts-and-jobs-act-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-rate-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-nondeductible-expense-life-insurance</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-nondeductible-expense-share-based-compensation-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-tax-credits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-reconciliation-tax-settlements-state-and-local</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tax-withholding-on-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-leverage-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-leverage-capital-required-for-capital-adequacy-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-leverage-capital-required-to-be-well-capitalized-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-leverage-capital-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-risk-based-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-risk-based-capital-required-for-capital-adequacy-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-risk-based-capital-required-to-be-well-capitalized-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/tier-one-risk-based-capital-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/time-deposits-100000-or-more</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/total-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/total-shareholder-rtn-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/trading-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/transfer-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/transfer-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/transfer-to-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/treasury-stock-acquired-average-cost-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/treasury-stock-common-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/treasury-stock-common-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/treasury-stock-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/treasury-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/unamortized-loan-commitment-and-origination-fees-and-unamortized-discounts-or-premiums</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/unrealized-gain-loss-on-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/unrecognized-tax-benefits</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/utb-decrease-from-prior-year-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/utb-decrease-from-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/utb-increase-from-current-year-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/utb-increase-from-prior-year-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/utb-interest-on-income-taxes-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/nbtb/utb-reduction-from-statute-lapse</loc></url>
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