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Across NBT Bank's top 10 neighbors, no single entity dominates — the similarity scores run from 0.95 down to 0.85 in a broad, gradual slope, with eight distinct categories represented. That spread is the structural finding: this audience overlaps with a wide range of everyday, place-based brands rather than concentrating around any one kind.
The top neighbor is Community Bank at 0.95, the only other bank in the top 10. Below it, the cluster shifts almost entirely away from Financial subcategories. Price Chopper (0.91) and Weis Markets (0.89) are General Grocery Stores; Aubuchon Hardware (0.89) and RP Lumber (0.86) are Home Improvement and Hardware; Weis Pharmacy (0.89) and Hannaford Pharmacy (0.85) are Pharmacies and Drugstores. Beltone (0.88) is Health and Medical Services, Irving Oil (0.88) is a Gas Station, and Stewart's Shops (0.86) is a Convenience Store. The dominant subcategory pattern across the ten is brick-and-mortar, regionally rooted retail and services — grocers, pharmacies, hardware stores, and fuel stops — not other financial institutions.
That composition points to an audience defined less by banking behavior than by a shared geography of local, routine commerce.
