NBT Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
NBT Bank, N.A. is an FDIC-insured commercial bank headquartered in Norwich, NY, established in 1856 (FDIC certificate 7230), and it is supervised by the OCC. At Q2 2026 it reported total assets of $16.09B, up 1.2% from Q2 2025, the 9th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7230
- Headquarters
- Norwich, NY
- Established
- 1856
- Total assets, Q2 2026
- $16.09B
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 175 FDIC institution directory, current count
- Routing number
- 021303618
- Latest call report
- Q2 2026, FFIEC 041 · NBT Bank, N.A. call report
- Holding company
- NBT BANCORP INC.
- Asset rank in state
- 9th of 105 in New York
NBT Bank, N.A., based in Norwich, New York, reported $16.1 billion in assets at June 30, 2026, up 1.2% from a year earlier. It lost 0.6% of its deposits over the year, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 5.7%). It also pays an average of 1.31% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.92%).
Earnings jumped: net income for the quarter was $49 million, 133% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($1.7 billion) is worsening: 1.86% of it is past due or on nonaccrual, up from 0.66% a year earlier. Where it has less room is capital: it holds common equity equal to 11.80% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, NBT Bank, N.A. reported a CET1 capital ratio of 11.80%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, NBT Bank, N.A. is the 9th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 2.8% and deposits fell 1.5%. 1-4 family residential loans made up 26.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.5%. On its Q2 2026 call report, NBT Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 52 S Broad St, Norwich, NY 13815
- County
- Chenango
- Metro Area
- Binghamton, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 3, 1856
- Former names
- The National Bank and Trust Company (1989-1995)
- Domestic offices
- 175 FDIC institution directory, current count
- Employees (FTE)
- 1,976
- Domestic deposits
- $13.68B
- Allowance for credit losses
- $140.5M
- Net charge-offs (YTD)
- $9.2M
- Average total assets
- $16.06B
- Average total loans
- $11.67B
- Average interest-bearing deposits
- $12.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7230
- Fed RSSD
- 702117
- SEC CIK
- 790359 → filed by NBT BANCORP INC.
- Website
- www.nbtbank.com →
- Parent Holding Company
- NBT BANCORP INC. (RSSD 1139279) · NBTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kingsley Scott Allen | CEO | President & CEO NBT Bancorp |
| Ruth H Mahoney | PRES | EVP/President of Wealth Mgmt |
| Annette L Burns | CFO | EVP & Chief Financial Officer |
| Sparks Martin Randolph | GC | EVP,General Counsel,Secretary |
| Trafton Hamblett Tara Flynn | CCO | Chief Credit Officer |
| Joseph P Sergienko | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, NBT Bank, N.A.'s total assets ran between $13.22B (Q4 2023) and $16.09B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$16.09B total assets against $15.91B; $14.23B total liabilities against $14.13B.
$11.73B net loans and leases against $11.49B; $13.68B total deposits against $13.76B.
$2.77B securities against $2.55B; $290.5M cash and balances due against $538.1M.
$185.7M total interest income against $177.6M; $46.5M total interest expense against $49.6M.
$139.3M net interest income against $128.0M.
$31.3M total noninterest income against $29.8M; $99.9M total noninterest expense against $109.2M.
$6.1M provision for credit losses against $19.5M.
$49.5M net income against $21.3M.
1.23% return on assets against 0.56%; 3.77% net interest margin against 3.68%.
11.80% CET1 capital ratio against 11.35%; 9.49% tier 1 leverage ratio against 9.52%.
Inside the full NBT Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
NBT Bank, N.A. rankings
Its closest position to the top of a national ranking is 119 of 4,196, for total assets; its furthest is 1,774 of 2,134, for CET1 ratio.
Metric pages for NBT Bank, N.A.: Uninsured deposits.
Banks merged into NBT Bank, N.A.
- Evans Bank, National Association, effective May 3, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q2 2025) to 1.35% (Q4 2025) and its net interest margin ran from 3.40% (Q3 2024) to 3.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.23% | 0.55% | 4.20% | 3.77% |
| Q1 2026 | 12.06% | 1.19% | 0.53% | 3.96% | 3.73% |
| Q4 2025 | 11.92% | 1.35% | 0.45% | 3.38% | 3.74% |
| Q3 2025 | 11.68% | 1.26% | 0.46% | 3.62% | 3.75% |
| Q2 2025 | 11.35% | 0.56% | 0.40% | 3.19% | 3.68% |
| Q1 2025 | 11.89% | 1.00% | 0.48% | 3.74% | 3.50% |
| Q4 2024 | 11.79% | 1.06% | 0.52% | 4.12% | 3.47% |
| Q3 2024 | 11.81% | 1.08% | 0.38% | 2.93% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 175 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| NBT Bank, N.A. (main office) | Norwich , NY | 13815 | $442.9M |
| Evans Bank Branch | Angola , NY | 14006 | $254.0M |
| Cortland Branch | Cortland , NY | 13045 | $218.1M |
| Vestal Branch | Vestal , NY | 13850 | $209.0M |
| West Seneca Branch | West Seneca , NY | 14224 | $203.9M |
| Johnstown Branch | Johnstown , NY | 12095 | $196.0M |
| Clinton Branch | Clinton , NY | 13323 | $188.4M |
| Lakeville Regional Financial Center Branch | Lakeville , CT | 06039 | $181.7M |
| Hamilton Branch | Hamilton , NY | 13346 | $180.9M |
| Elmwood Village Branch | Buffalo , NY | 14222 | $179.4M |
| New Hartford Branch | New Hartford , NY | 13413 | $177.6M |
| Syracuse Clinton Square Branch | Syracuse , NY | 13202 | $171.2M |
| Hamburg Branch | Hamburg , NY | 14075 | $169.3M |
| Cobleskill Branch | Cobleskill , NY | 12043 | $159.5M |
| Albany Financial Center Branch | Albany , NY | 12205 | $157.5M |
| Northville Branch | Northville , NY | 12134 | $155.6M |
| Lancaster Branch | Depew , NY | 14043 | $152.2M |
| Poughkeepsie Branch | Poughkeepsie , NY | 12601 | $152.0M |
| Saratoga Springs Branch | Saratoga Springs , NY | 12866 | $150.7M |
| Gloversville Branch | Gloversville , NY | 12078 | $150.5M |
| Latham Branch | Latham , NY | 12110 | $142.5M |
| Schenectady Branch | Schenectady , NY | 12305 | $138.2M |
| Montrose Branch | Montrose , PA | 18801 | $132.7M |
| Forestville Branch | Forestville , NY | 14062 | $126.2M |
| Halfmoon Branch | Halfmoon , NY | 12065 | $117.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 3, 2025 | Structure Change | Acquired Evans Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2025 | M&A | Acquired Evans Bank, National Association merger for the acquired bank | SEC |
| May 2, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2023 | M&A | Acquired Salisbury Bank and Trust Company merger for the acquired bank | SEC |
| August 12, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2023 | Structure Change | Acquired Salisbury Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 2013 | M&A | Acquired Alliance Bank, N.A. merger for the acquired bank | SEC |
| March 9, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 9, 2013 | Structure Change | Acquired Alliance Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2012 | M&A | Acquired Hampshire First Bank merger for the acquired bank | SEC |
| June 9, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2012 | Structure Change | Acquired Hampshire First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2006 | M&A | Acquired City National Bank and Trust Company merger for the acquired bank | SEC |
| February 10, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2006 | Structure Change | Acquired City National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2001 | M&A | Acquired Central National Bank, Canajoharie merger for the acquired bank | SEC |
| November 9, 2001 | Structure Change | Acquired Central National Bank, Canajoharie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | M&A | Acquired The First National Bank of Northern New York merger for the acquired bank | SEC |
| June 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | Structure Change | Acquired The First National Bank of Northern New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 2001 | M&A | Acquired Pennstar Bank, National Association merger for the acquired bank | SEC |
| March 17, 2001 | Structure Change | Acquired Pennstar Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1989 | M&A | Acquired The Fulton County National Bank and Trust Company merger for the acquired bank | SEC |
| October 1, 1989 | Structure Change | Acquired Hayes National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1984 | Structure Change | Acquired The National Bank of Oxford Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1984 | M&A | Acquired The National Bank of Oxford merger for the acquired bank | SEC |
| August 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 1978 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 1978 | M&A | Acquired First National Bank in Sidney merger for the acquired bank | SEC |
| December 30, 1978 | Structure Change | Acquired First National Bank in Sidney Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 1974 | M&A | Acquired The National Bank of Hobart merger for the acquired bank | SEC |
| June 29, 1974 | Structure Change | Acquired The National Bank of Hobart Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 1973 | Structure Change | Acquired The First National Bank of Newark Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 1973 | M&A | Acquired The First National Bank of Newark Valley merger for the acquired bank | SEC |
| February 16, 1971 | Structure Change | Acquired The Farmers National Bank of Deposit Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 1971 | M&A | Acquired The Farmers National Bank of Deposit merger for the acquired bank | SEC |
| February 16, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 3, 1963 | M&A | Acquired Peoples National Bank of Margaretville merger for the acquired bank | SEC |
| September 3, 1963 | Structure Change | Acquired Peoples National Bank of Margaretville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 44 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 6 against individuals associated with it
- Period: Most recent action February 5, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in NY, rank 24 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,341 applications, 2,740 loans originated, $625.9M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 24 loans, $6.6M approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about NBT Bank, N.A.
What are NBT Bank, N.A.'s total assets?
As of the Q2 2026 filing, NBT Bank, N.A. reported total assets of $16.09 billion in its FFIEC call report.
Where is NBT Bank, N.A. headquartered?
It is headquartered in Norwich, NY, United States.
When was NBT Bank, N.A. founded?
It was established in 1856, per the FDIC institution directory.
Is NBT Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NBT Bank, N.A.?
NBT Bank, N.A.'s primary federal regulator is the OCC.
What is NBT Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does NBT Bank, N.A. operate?
It operates 175 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NBT Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 4.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was NBT Bank, N.A. previously called?
The charter now named NBT Bank, N.A. has also operated as The National Bank and Trust Company (1989-1995), per FDIC structure-change records.
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