NBT Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1856, NBT Bank, N.A. is among the oldest continuously operating FDIC-insured banks, headquartered in Norwich, NY, during the antebellum free-banking period. Total assets stand at $16.1B. Profitability is strong, 1.23% ROA, paired with 10.67% ROE and a 3.77% net interest margin. Capital cushions are healthy: 11.80% CET1, 9.49% Tier 1 leverage. Credit metrics are in line with industry norms, 0.54% NPL ratio. A 176-branch network serves customers across multiple states.
As of June 30, 2026, NBT Bank, N.A. reported a CET1 capital ratio of 11.80%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.54%, a Texas ratio of 4.37%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 52 S Broad St, Norwich, NY 13815
- County
- Chenango
- Metro Area
- Binghamton, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 3, 1856
- Former names
- The National Bank and Trust Company (1989-1995)
- Offices
- 176 domestic
- Employees (FTE)
- 1,976
- Domestic deposits
- $13.68B
- Allowance for credit losses
- $140.5M
- Net charge-offs (YTD)
- $9.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7230
- Fed RSSD
- 702117
- SEC CIK
- 790359 → filed by NBT BANCORP INC.
- Website
- www.nbtbank.com →
- Parent Holding Company
- NBT BANCORP INC. (RSSD 1139279) · NBTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kingsley Scott Allen | CEO | President & CEO NBT Bancorp |
| Burns Annette L | CFO | EVP & Chief Financial Officer |
| Mahoney Ruth H | PRES | EVP/President of Wealth Mgmt |
| Sparks Martin Randolph | GC | EVP,General Counsel,Secretary |
| Trafton Hamblett Tara Flynn | CCO | Chief Credit Officer |
| Sergienko Joseph P | CRO | Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full NBT Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock NBT Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
NBT Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for NBT Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.23% | 0.54% | 4.37% | 3.77% |
| Q1 2026 | 12.06% | 1.19% | 0.51% | 4.10% | 3.73% |
| Q4 2025 | 11.92% | 1.35% | 0.40% | 3.54% | 3.74% |
| Q3 2025 | 11.68% | 1.26% | 0.41% | 3.70% | 3.75% |
| Q2 2025 | 11.35% | 0.56% | 0.38% | 3.32% | 3.68% |
| Q1 2025 | 11.89% | 1.00% | 0.46% | 3.84% | 3.50% |
| Q4 2024 | 11.79% | 1.06% | 0.47% | 4.24% | 3.47% |
| Q3 2024 | 11.81% | 1.08% | 0.34% | 3.04% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 175 branches →
| 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 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 3, 2025 | M&A | merger | SEC |
| May 3, 2025 | Structure Change | Acquired Evans Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2023 | M&A | merger | SEC |
| August 12, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2023 | Structure Change | Acquired Salisbury Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 2013 | M&A | merger | SEC |
| March 9, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 9, 2013 | Structure Change | Acquired Alliance Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2012 | M&A | merger | SEC |
| June 9, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2012 | Structure Change | Acquired Hampshire First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2006 | M&A | merger | SEC |
| February 10, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2006 | Structure Change | Acquired City National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2001 | M&A | merger | SEC |
| November 9, 2001 | Structure Change | Acquired Central National Bank, Canajoharie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | M&A | merger | SEC |
| June 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2001 | Structure Change | Acquired The First National Bank of Northern New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 2001 | M&A | merger | SEC |
| March 17, 2001 | Structure Change | Acquired Pennstar Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1989 | M&A | merger | SEC |
| October 1, 1989 | Structure Change | Acquired Hayes National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1984 | M&A | merger | SEC |
| August 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1984 | Structure Change | Acquired The National Bank of Oxford Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 1978 | M&A | merger | SEC |
| December 30, 1978 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 1978 | Structure Change | Acquired First National Bank in Sidney Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 1974 | M&A | merger | SEC |
| June 29, 1974 | Structure Change | Acquired The National Bank of Hobart Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 1973 | M&A | merger | SEC |
| September 29, 1973 | Structure Change | Acquired The First National Bank of Newark Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 1971 | M&A | merger | SEC |
| February 16, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 1971 | Structure Change | Acquired The Farmers National Bank of Deposit Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 3, 1963 | M&A | merger | SEC |
| September 3, 1963 | Structure Change | Acquired Peoples National Bank of Margaretville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 44 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for NBT Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 6 against individuals associated with it
- Period: Most recent action February 5, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in NY, rank 24 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,341 applications, 2,740 loans originated, $625.9M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about NBT Bank, N.A.
What are NBT Bank, N.A.'s total assets?
As of the Q2 2026 filing, NBT Bank, N.A. reported total assets of $16.09 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is NBT Bank, N.A. headquartered?
NBT Bank, N.A. is headquartered in Norwich, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was NBT Bank, N.A. founded?
NBT Bank, N.A. was established in 1856, per the FDIC institution directory.
Is NBT Bank, N.A. FDIC-insured?
Yes. NBT Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #7230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NBT Bank, N.A.?
NBT Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is NBT Bank, N.A.'s CET1 capital ratio?
NBT Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does NBT Bank, N.A. operate?
NBT Bank, N.A. operates 176 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NBT Bank, N.A.'s Texas Ratio?
NBT Bank, N.A.'s Texas Ratio is 4.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was NBT Bank, N.A. previously called?
The charter now named NBT Bank, N.A. has also operated as The National Bank and Trust Company (1989-1995), per FDIC structure-change records.
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