NBT Bank, National Association
Total assets
$16.09B
▲ +1.2% YoY
Deposits
$13.68B
▼ -0.6% YoY
Loans
$11.73B
▲ +2.1% YoY
Offices
175
NBT BCORP INC
ROA (annualized)
1.21%
peers 1.23%
ROE (annualized)
10.45%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.9% | -4.7 pts |
| Deposit growth (YoY) | -0.6% | +5.7% | -6.3 pts |
| Loan growth (YoY) | +2.1% | +6.9% | -4.8 pts |
| ROA | 1.21% | 1.23% | -0.0 pts |
| ROE | 10.4% | 11.2% | -0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
Profile
- Established
- 1856
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- NBT BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 52 S Broad St, Norwich, NY, 13815
- County
- Chenango
- Offices
- 175
- FDIC cert #
- 7230
- RSSD ID
- 702117
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.09B | $13.68B | $11.73B | $1.86B | $96.8M | 1.21% | 3.79% | 0.41% |
| Q1 2026 | $16.09B | $13.89B | $11.41B | $1.85B | $47.3M | 1.18% | 3.76% | 0.38% |
| Q4 2025 | $15.88B | $13.63B | $11.46B | $1.85B | $160.2M | 1.06% | 3.78% | 0.33% |
| Q3 2025 | $16.00B | $13.79B | $11.46B | $1.81B | $106.2M | 0.95% | 3.74% | 0.34% |
| Q2 2025 | $15.91B | $13.76B | $11.49B | $1.78B | $55.9M | 0.77% | 3.66% | 0.29% |
| Q1 2025 | $13.76B | $11.94B | $9.88B | $1.52B | $34.6M | 1.01% | 3.57% | 0.35% |
| Q4 2024 | $13.68B | $11.77B | $9.86B | $1.49B | $138.0M | 1.02% | 3.41% | 0.38% |
| Q3 2024 | $13.74B | $11.80B | $9.79B | $1.50B | $101.2M | 1.01% | 3.36% | 0.27% |
Loan mix (Q2 2026): real estate $7.94B · commercial $1.51B · consumer $2.20B · securities $2.77B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.23% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.55% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 54.9% | 64th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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