NBT Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.1% from Q1 2026 to Q2 2026, ending at $12.54B against $12.17B. It was the largest change among the key lines on this page. On CET1 ratio, NBT Bank, N.A. is 7th from the bottom among 82 New York banks, 11.80% (Q2 2026). NBT Bank, N.A. reported 11.80% on CET1 ratio for Q2 2026, 1.16 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 12.89% |
| Tier 1 leverage ratio | 9.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.48B |
| Tier 1 capital | $1.48B |
| Total risk-based capital | $1.62B |
| Total equity capital | $1.86B |
| Risk-weighted assets | $12.54B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 11.57% |
| Internal capital growth rate | 2.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25.0M |
| Common stock surplus | $1.01B |
| Retained earnings | $906.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$79.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.62% | 11.62% | 12.67% | 9.70% | $10.43B |
| Q4 2023 | 11.84% | 11.84% | 12.91% | 9.16% | $10.33B |
| Q1 2024 | 11.84% | 11.84% | 12.93% | 9.45% | $10.40B |
| Q2 2024 | 11.74% | 11.74% | 12.87% | 9.44% | $10.56B |
| Q3 2024 | 11.81% | 11.81% | 12.92% | 9.50% | $10.61B |
| Q4 2024 | 11.79% | 11.79% | 12.86% | 9.39% | $10.72B |
| Q1 2025 | 11.89% | 11.89% | 12.98% | 9.47% | $10.71B |
| Q2 2025 | 11.35% | 11.35% | 12.44% | 9.52% | $12.35B |
| Q3 2025 | 11.68% | 11.68% | 12.77% | 9.22% | $12.24B |
| Q4 2025 | 11.92% | 11.92% | 13.02% | 9.35% | $12.22B |
| Q1 2026 | 12.06% | 12.06% | 13.17% | 9.47% | $12.17B |
| Q2 2026 | 11.80% | 11.80% | 12.89% | 9.49% | $12.54B |
NBT Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full NBT Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7230) · FFIEC NIC profile (RSSD 702117)