Aceto brings more than 15 years of financial services experience to NBT Bank. Most recently, he served as a Community Lender at Adirondack Bank, where he managed a portfolio of more than 300 business customers and originated commercial loans up to $350,000. His background also includes branch leadership, sales coaching and prior roles with First Niagara Bank and HSBC.

In his new role, Aceto will work closely with business owners to understand their financial needs and connect them with tailored banking solutions that support growth and long‑term success.

“NBT Bank has a strong and deeply experienced banking team serving the Mohawk Valley, and Frank’s addition further strengthens that foundation,” said Manzelmann. “He brings complementary experience, a collaborative leadership style and a clear understanding of the local market that will enhance the great work already being done by our team. Frank will help us continue delivering responsive, relationship‑driven support to business customers across the region.”

Aceto holds a master’s degree from Utica University and is actively engaged in the community. He serves on the Town of Deerfield Board of Assessors and is a board member of Central New York Quest.