Bank Comparison
First United Bank and Trust Company vs NBT Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 10
winning metrics across 17 scored rows
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Capital adequacy
| Metric | First United Bank and Trust Company | NBT Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.28% | 11.80% |
| Tier 1 Capital Ratio | 12.31% | 11.80% |
| Total Capital Ratio | 13.36% | 12.89% |
| Tier 1 Leverage Ratio | 9.80% | 9.49% |
| Equity / Assets | 9.72% | 11.55% |
Profitability
| Metric | First United Bank and Trust Company | NBT Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 1.23% |
| Return on Equity (ROE) | 9.81% | 10.67% |
| Net Interest Margin (NIM) | 3.61% | 3.77% |
| Yield on Earning Assets | 5.87% | 5.03% |
| Cost of Funds | 2.34% | 1.31% |
Asset quality
| Metric | First United Bank and Trust Company | NBT Bank, N.A. |
|---|---|---|
| Texas Ratio | 20.22% | 4.37% |
| Non-Performing Loan Ratio | 1.86% | 0.54% |
| Non-Performing Asset Ratio | 1.69% | 0.40% |
| Net Charge-Off Ratio | 0.08% | 0.15% |
| ACL / Loans | 1.00% | 1.18% |
Balance sheet
| Metric | First United Bank and Trust Company | NBT Bank, N.A. |
|---|---|---|
| Total Assets | $16.59B | $16.09B |
| Total Deposits | $13.33B | $13.68B |
| Total Loans | $12.79B | $11.87B |
| Total Equity | $1.61B | $1.86B |
| Net Income (quarter) | $39.3M | $49.5M |
Liquidity & funding
| Metric | First United Bank and Trust Company | NBT Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 96.00% | 86.81% |
| Core Deposit Ratio | 79.42% | 97.54% |
| Uninsured Deposit Ratio | 36.50% | 42.52% |
Identity
| Metric | First United Bank and Trust Company | NBT Bank, N.A. |
|---|---|---|
| Headquarters City | Durant | Norwich |
| Headquarters State | OK | NY |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | FED | OCC |
| Domestic Branches | 80 | 176 |
| Employees (FTE) | 1,886 | 1,976 |
| Established | — | March 3, 1856 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full First United Bank and Trust Company profile | View full NBT Bank, N.A. profile | Browse all bank comparisons