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.
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