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NBT Bank, N.A. Locations & Branches Norwich, New York
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NBT Bank, N.A. operates 175 branches from its headquarters in Norwich, NY, .
NBT Bank, N.A. branch network
Its 175 branches span 7 states and 150 cities. The most are in NEW YORK (128), PENNSYLVANIA (24) and MASSACHUSETTS (7). NEW YORK holds 81.3% of its branch deposits. Norwich, NY has the most of its branches, 3. Its largest office by deposits is its main office in Norwich, NY, with $442.9M (3.2% of its branch deposits). On June 30, 2025 it had 177 branches, 2 more than in 2026.
NBT Bank, N.A. at a glance
Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $16.09B
- CET1 ratio, Q2 2026
- 11.80%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1856
Full financial profile · Is NBT Bank, N.A. safe? · NBT Bank, N.A. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Norwich, NY (3 branches) | 1 of 2 | 95.1% | $486.7M |
| State: NY (128 branches) | 24 of 176 | 0.4% | $11.12B |
Ranked by total assets among banks headquartered in the state: Largest banks in New York.
Share by county and metro area
NBT Bank, N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Erie, NY (13 branches) | 7 of 20 | 2.5% | $1.58B | $63.26B |
| Chenango, NY (10 branches) | 1 of 2 | 97.3% | $894.0M | $919.0M |
| Onondaga, NY (10 branches) | 6 of 15 | 6.4% | $860.1M | $13.34B |
| Oneida, NY (6 branches) | 2 of 9 | 15.4% | $744.2M | $4.83B |
| Fulton, NY (5 branches) | 1 of 4 | 65.5% | $665.8M | $1.02B |
| Broome, NY (8 branches) | 2 of 9 | 18.7% | $649.5M | $3.48B |
| Lackawanna, PA (10 branches) | 4 of 17 | 7.4% | $592.3M | $8.04B |
| Otsego, NY (8 branches) | 1 of 4 | 38.7% | $539.2M | $1.39B |
| Madison, NY (6 branches) | 2 of 6 | 38.5% | $475.4M | $1.23B |
| Montgomery, NY (5 branches) | 1 of 5 | 44.2% | $464.5M | $1.05B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Buffalo-Cheektowaga, NY (14 branches) | 7 of 20 | 2.5% | $1.64B | $66.97B |
| Syracuse, NY (20 branches) | 4 of 15 | 9.6% | $1.57B | $16.25B |
| Albany-Schenectady-Troy, NY (15 branches) | 8 of 19 | 4.3% | $1.34B | $31.10B |
| Utica-Rome, NY (7 branches) | 4 of 9 | 14.8% | $836.2M | $5.64B |
| Binghamton, NY (9 branches) | 2 of 9 | 17.4% | $704.2M | $4.05B |
| Scranton--Wilkes-Barre, PA (12 branches) | 8 of 21 | 4.2% | $703.9M | $16.90B |
| Gloversville, NY (5 branches) | 1 of 4 | 65.5% | $665.8M | $1.02B |
| Oneonta, NY (8 branches) | 1 of 4 | 38.7% | $539.2M | $1.39B |
| Poughkeepsie-Newburgh-Middletown, NY (5 branches) | 12 of 26 | 2.4% | $470.9M | $19.50B |
| Amsterdam, NY (5 branches) | 1 of 5 | 44.2% | $464.5M | $1.05B |
| 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 |
| Amsterdam Branch | Amsterdam, NY | 12010 | $116.7M |
| Saranac Lake Branch | Saranac Lake, NY | 12983 | $116.5M |
| Clarence Branch | Williamsville, NY | 14221 | $116.4M |
| Tonawanda Office Branch | Tonawanda, NY | 14150 | $114.0M |
| Baldwinsville Branch | Baldwinsville, NY | 13027 | $111.9M |
| Rome Westgate Branch | Rome, NY | 13440 | $111.2M |
| Oswego West Branch | Oswego, NY | 13126 | $111.0M |
| Tully Branch | Tully, NY | 13159 | $105.7M |
| Canaan Branch | Canaan, CT | 06018 | $103.8M |
| Amherst Office Branch | Amherst, NY | 14226 | $101.7M |
| North Buffalo Branch | Buffalo, NY | 14216 | $101.1M |
| Oneonta Wall Street Branch | Oneonta, NY | 13820 | $99.3M |
| Rome Black River Branch | Rome, NY | 13440 | $98.6M |
| Newburgh Branch | Newburgh, NY | 12550 | $98.6M |
| Plattsburgh Route 3 Branch | Plattsburgh, NY | 12901 | $97.3M |
| Fort Plain Branch | Fort Plain, NY | 13339 | $96.8M |
| North Boston Branch | Boston, NY | 14025 | $96.7M |
| Binghamton East Side | Binghamton, NY | 13904 | $96.1M |
| Clarks Green Branch | Clarks Green, PA | 18411 | $95.7M |
| Sherburne Branch | Sherburne, NY | 13460 | $95.5M |
| Camillus Branch | Camillus, NY | 13031 | $94.8M |
| Cortland Groton Ave Branch | Cortland, NY | 13045 | $94.6M |
| Canajoharie Branch | Canajoharie, NY | 13317 | $93.6M |
| Oneidasouth Branch | Oneida, NY | 13421 | $92.9M |
| Herkimer Branch | Herkimer, NY | 13350 | $92.1M |
| Hamlin Corners Branch | Hamlin, PA | 18427 | $91.6M |
| Massena Branch | Massena, NY | 13662 | $88.9M |
| Sharon Branch | Sharon, CT | 06069 | $87.9M |
| Whitesboro Branch | Whitesboro, NY | 13492 | $87.3M |
| Binghamton Branch | Binghamton, NY | 13901 | $87.3M |
| Fonda Branch | Fonda, NY | 12068 | $87.2M |
| Oneida Main Street Branch | Oneida, NY | 13421 | $87.0M |
| Millerton New York Branch | Millerton, NY | 12546 | $86.6M |
| Schoharie Branch | Schoharie, NY | 12157 | $86.1M |
| Sidney Branch | Sidney, NY | 13838 | $85.4M |
| Margaretville Branch | Margaretville, NY | 12455 | $85.0M |
| Vail Mills Branch | Broadalbin, NY | 12025 | $84.0M |
| Schoolside Branch | Carbondale, PA | 18407 | $83.4M |
| Syracuse James Street Branch | Syracuse, NY | 13203 | $83.3M |
| Whitney Branch | Whitney Point, NY | 13862 | $81.4M |
| Utica Financial Center Branch | Utica, NY | 13502 | $81.1M |
| Richfield Springs Branch | Richfield Springs, NY | 13439 | $80.7M |
| Fayetteville Branch | Fayetteville, NY | 13066 | $80.7M |
| Manchester Branch | Manchester, NH | 03101 | $80.5M |
| Lake Placid Branch | Lake Placid, NY | 12946 | $80.3M |
| Gloversville Financial Center Branch | Gloversville, NY | 12078 | $79.6M |
| Placid Outpost Office | Lake Placid, NY | 12946 | $79.4M |
| Milford Branch | Milford, PA | 18337 | $78.3M |
| Duanesburg Branch | Duanesburg, NY | 12056 | $77.2M |
| Cooperstown Pioneer Street Branch | Cooperstown, NY | 13326 | $76.7M |
| Oneonta Southside Branch | Oneonta, NY | 13820 | $74.7M |
| Dover Village Plaza Branch | Dover Plains, NY | 12522 | $73.2M |
| Archbald Branch | Archbald, PA | 18403 | $70.7M |
| St. Johnsville Branch | St. Johnsville, NY | 13452 | $70.2M |
| Burlington Branch | Burlington, VT | 05401 | $70.0M |
| Middleburg Branch | Middleburgh, NY | 12122 | $69.3M |
| Deposit Branch | Deposit, NY | 13754 | $69.2M |
| Lockport Branch | Lockport, NY | 14094 | $69.2M |
| North Syracuse Branch | North Syracuse, NY | 13212 | $68.9M |
| Cooperstown Branch | Cooperstown, NY | 13326 | $68.6M |
| Williamsvile Branch | Williamsville, NY | 14221 | $67.3M |
| Hobart Branch | Hobart, NY | 13788 | $66.8M |
| Greene Branch | Greene, NY | 13778 | $65.7M |
| Potsdam Branch | Potsdam, NY | 13676 | $65.5M |
| Edmeston Branch | Edmeston, NY | 13335 | $65.4M |
| Scranton Keyser Valley Branch | Scranton, PA | 18504 | $64.7M |
| Pulaski Branch | Pulaski, NY | 13142 | $64.7M |
| Lenox Branch | Kingsley, PA | 18826 | $62.8M |
| East Syracuse Branch | East Syracuse, NY | 13057 | $62.8M |
| Canastota Branch | Canastota, NY | 13032 | $62.6M |
| Albany State Street Branch | Albany, NY | 12207 | $62.5M |
| Dunmore Branch | Dunmore, PA | 18512 | $61.8M |
| Afton Branch | Afton, NY | 13730 | $61.1M |
| Fishkill Branch | Fishkill, NY | 12524 | $60.5M |
| New Milford Branch | New Milford, PA | 18834 | $59.9M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 7230) · FFIEC NIC profile (RSSD 702117)