NBT Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 4.25 percentage points in Q2 2026, from 227.86% to 232.11%. It was the largest change from Q1 2026 among the key lines here. Within New York, NBT Bank, N.A. is 49th of 105 on loan-to-deposit ratio, 86.81% as of Q2 2026, above the middle of the field. At 86.81%, NBT Bank, N.A.'s loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.87B |
| Net loans and leases | $11.73B |
| Loans held for sale | $0 |
| Loans to total assets | 73.79% |
| Loan-to-deposit ratio | 86.81% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.91% |
| Multifamily (5+ residential) | 12.60% |
| Commercial and industrial | 12.75% |
| Consumer | 18.53% |
| Credit cards | 0.00% |
| Farm | 0.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.11% |
| Construction concentration (Tier 1 capital + allowance) | 29.36% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.62% |
| Interest income on loans | $163.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $9.67B | $11.57B | 21.78% | 13.02% | 22.74% |
| Q4 2023 | $9.65B | $11.15B | 21.72% | 12.47% | 22.69% |
| Q1 2024 | $9.69B | $11.38B | 21.38% | 12.51% | 22.78% |
| Q2 2024 | $9.86B | $11.47B | 21.65% | 12.66% | 22.29% |
| Q3 2024 | $9.91B | $11.80B | 21.59% | 12.55% | 21.90% |
| Q4 2024 | $9.98B | $11.77B | 21.67% | 12.15% | 21.86% |
| Q1 2025 | $9.99B | $11.94B | 21.71% | 12.23% | 21.95% |
| Q2 2025 | $11.63B | $13.76B | 23.01% | 12.58% | 18.65% |
| Q3 2025 | $11.60B | $13.79B | 23.19% | 12.07% | 18.54% |
| Q4 2025 | $11.60B | $13.63B | 23.37% | 12.37% | 18.43% |
| Q1 2026 | $11.55B | $13.89B | 23.24% | 12.53% | 18.23% |
| Q2 2026 | $11.87B | $13.68B | 22.91% | 12.75% | 18.53% |
NBT Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Bank, N.A., freeSource: Call Report Schedule RC-C, 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)