BanksNBT BANK, NATIONAL ASSOCIATION

NBT BANK, NATIONAL ASSOCIATION

NORWICH, NYRegionalEst. March 3, 1856, midnightFDIC #7230RSSD #702117OCC
Latest · 2025-12-31

NBT BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 11.92%, well above regulatory minimums. NPL ratio: 0.38% · Texas Ratio: 2.27%. Operates 177 domestic branches.

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 Margin3.76%
Yield on Assets5.14%
Cost of Funds1.48%

Asset Quality

NPL Ratio0.38%
Net Charge-Off Ratio0.16%
Texas Ratio2.27%
NPA Ratio0.28%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio11.92%
Tier 1 Capital11.92%
Total Capital Ratio13.02%
Leverage Ratio9.35%
Loan-to-Deposit85.09%

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