Nashville Bank & Trust Reports 2009 Results

                 Nashville Bank & Trust Reports 2009 Results

  PR Newswire

  NASHVILLE, Tenn., Jan. 28

NASHVILLE, Tenn., Jan. 28 /PRNewswire-FirstCall/ -- NBT Holdings Inc. (OTC
Bulletin Board: NBTH.OB), a bank holding company and the parent company of
Nashville Bank and Trust Company, reported unaudited results today for the
year ending December 31, 2009. 

Total assets increased by 17.1 percent to $183 million from December 31, 2008
to December 31, 2009. Over the same period, total loans increased by 6.8
percent to $136 million, and deposits increased by 19.8 percent to $155
million. At December 31, 2009, the bank's capital exceeded the FDIC
guidelines for a "well capitalized" bank in all categories, including a Tier 1
leverage ratio of 12.1 percent compared with the minimum guideline of 5.0

For the year ending December 31, 2009, net income totaled $633,000, compared
to net income for 2008 of $187,000.

2009 non-interest income was $2,726,000, as compared to $2,309,000 for 2008.

Nashville Bank & Trust had no non-performing assets at December 31, 2009.

A full-service bank and wealth management company, Nashville Bank & Trust
services include personal and business loans, depository accounts, wealth
management and trust services. Personal, expert service is the bank's
hallmark. Customers benefit from direct contact with senior-level,
experienced bank executives who have decision-making authority and a full
understanding of the local community and the client's relationship with the

SOURCE NBT Holdings Inc.

Contact: Overton Colton, +1-615-515-1706,
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