NBT Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks NBT Bank, N.A. of Norwich, NY against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.23% | 1.39% | -0.16% | 46th below |
| ROAE | 10.67% | 12.24% | -1.57% | 46th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.77% | 3.82% | -0.05% | 62nd above |
| Efficiency Ratio | 56.71% | 54.22% | +2.49% | 37th below |
| PPNR / Avg Assets | 1.76% | 2.04% | -0.28% | 46th below |
| Yield on Earning Assets | 5.03% | 5.71% | -0.68% | 27th below |
| Cost of Funds | 1.31% | 2.03% | -0.72% | 84th top |
| Net Interest Spread | 3.58% | 3.12% | +0.46% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.54% | 0.98% | -0.44% | 73rd above |
| NPA / Total Assets | 0.40% | 0.72% | -0.32% | 67th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.33% | -0.18% | 48th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.39% | -0.21% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 218.19% | 235.40% | -17.21% | 74th above |
| Texas Ratio | 4.37% | 8.91% | -4.54% | 71st above |
| Provision / NCO | 127.14% | 123.25% | +3.89% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.80% | 15.68% | -3.88% | 18th bottom |
| Tier 1 Ratio | 11.80% | 15.81% | -4.01% | 16th bottom |
| Total Capital Ratio | 12.89% | 16.93% | -4.04% | 14th bottom |
| Leverage Ratio | 9.49% | 10.51% | -1.02% | 28th below |
| Equity / Assets | 11.55% | 11.71% | -0.16% | 49th below |
| TCE / Tangible Assets | 8.89% | 9.73% | -0.84% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 86.81% | 84.56% | +2.25% | 50th above |
| Core Deposit Ratio | 97.54% | 86.53% | +11.01% | 93rd top |
| Uninsured Deposit Ratio | 42.52% | 36.80% | +5.72% | 39th below |
| Wholesale Funding Ratio | 2.23% | 5.87% | -3.64% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.16% | 12.01% | -10.85% | 23rd bottom |
| Loan Growth (Y/Y) | 2.11% | 11.43% | -9.32% | 23rd bottom |
| Deposit Growth (Y/Y) | -0.56% | 11.42% | -11.98% | 14th bottom |
See NBT Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock NBT Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full NBT Bank, N.A. profile, how to read a UBPR, or how this data updates.