NBT BANK, NATIONAL ASSOCIATION

NORWICH, NY | Regional | Est. March 3, 1856, midnight | FDIC #7230 | RSSD #702117 | OCC
Latest Report: 2025-12-31

NBT BANK, NATIONAL ASSOCIATION is arn regional FDIC-insured commercial bank headquartered in NORWICH, NY, established in March 3, 1856, midnight. As of 2025-12-31, the bank reported total assets of $15.9B and total deposits of $13.6B. Profitability stands at 1.36% ROA and 11.81% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 11.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 2.27%. FDIC Certificate #7230.

Assets

$15.9B

Deposits

$13.6B

Loans

$11.6B

Equity

$1.8B

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 11.81%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.14%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.16%
Texas Ratio 2.27%
NPA Ratio 0.28%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 11.92%
Tier 1 Capital 11.92%
Total Capital Ratio 13.02%
Leverage Ratio 9.35%
Loan-to-Deposit 85.09%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required