 NBT Bancorp, Inc. NASDAQ:NBTB Q2 2022 Earnings Conference Call July 26, 2022 8:30 AM ET Company Participants John Watt - President CEO Scott Kingsley - CFO Annette Burns - CAO Conference Call Participants Alex Twerdahl - PSC Chris OConnell - KBW Matthew Breese - Stephens Operator Good day, everyone. Welcome to the NBT Bancorp Second Quarter 2022 Financial Results Conference Call. 