Nashville Bank & Trust Reports March 2010 Results

              Nashville Bank & Trust Reports March 2010 Results

  PR Newswire

  NASHVILLE, Tenn., April 28

NASHVILLE, Tenn., April 28 /PRNewswire-FirstCall/ -- NBT Holdings Inc. (OTC
Bulletin Board: NBTH), a bank holding company and the parent company of
Nashville Bank and Trust Company, reported net income of $200,000 today for
the first quarter 2010, compared with $124,000 for the first quarter 2009.

The bank reported total assets of $189.4 million, a 15.7% increase from the
first quarter 2009. Deposits continued to grow to $156.8 million, a 15.2%
increase over first quarter 2009. Loans rose 12.1% to $147.6 compared with
the first quarter 2009. 

Nashville Bank & Trust reported no non-performing assets at March 31, 2010.

At March 31, 2010, the bank's capital exceeded the FDIC guidelines for a "well
capitalized" bank in all categories, including a Tier 1 leverage ratio of
11.5% compared with the minimum guideline of 5.0%. 

Non interest income for the first quarter 2010 was $690,000, compared to
$640,000 for the first quarter 2009.

"Nashville Bank & Trust continues to grow and prosper despite the lingering
recession," said Tom Stumb, the bank's President and CEO. "The success of our
company is a credit to the experience and hard work of our bankers and wealth
management team."

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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