NBT Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 17.22 percentage points in Q2 2026, from 235.41% to 218.19%. It was the largest change from Q1 2026 among the key lines here. Within New York, NBT Bank, N.A. is 33rd of 105 on return on assets, 1.23% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. NBT Bank, N.A. sits 0.06 points lower, at 1.23% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 12.89% |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 4.37% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 218.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 10.67% |
| Net interest margin | 3.77% |
| Efficiency ratio | 56.71% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.81% |
| Core deposits to total deposits | 97.54% |
| Brokered deposits to total deposits | 0.19% |
| Deposits to assets | 85.00% |
| Securities to assets | 17.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.62% | 11.62% | 12.67% | 9.70% | 0.74% |
| Q4 2023 | 11.84% | 11.84% | 12.91% | 9.16% | 0.92% |
| Q1 2024 | 11.84% | 11.84% | 12.93% | 9.45% | 0.97% |
| Q2 2024 | 11.74% | 11.74% | 12.87% | 9.44% | 0.96% |
| Q3 2024 | 11.81% | 11.81% | 12.92% | 9.50% | 1.08% |
| Q4 2024 | 11.79% | 11.79% | 12.86% | 9.39% | 1.06% |
| Q1 2025 | 11.89% | 11.89% | 12.98% | 9.47% | 1.00% |
| Q2 2025 | 11.35% | 11.35% | 12.44% | 9.52% | 0.56% |
| Q3 2025 | 11.68% | 11.68% | 12.77% | 9.22% | 1.26% |
| Q4 2025 | 11.92% | 11.92% | 13.02% | 9.35% | 1.35% |
| Q1 2026 | 12.06% | 12.06% | 13.17% | 9.47% | 1.19% |
| Q2 2026 | 11.80% | 11.80% | 12.89% | 9.49% | 1.23% |
NBT Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)