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Nbt Bank, National Association
Norwich, NY · FDIC Certificate #7230 · Chartered 03/0
Total assets
$16.09B
Total deposits
$13.68B
Total equity
$1.86B
Net loans
$11.73B
Branches (offices)
175
Net income (YTD)
$96.78M
Rank: #122 of 4,213 U.S. banks by assets · #12 of 115 in New York. Assets changed 1.2% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 10.45% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 11.55% |
| Tier 1 leverage ratio | 9.49% |
| Uninsured deposits (share of deposits) | 42.5% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 67.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.94B | 67.7% | |
| Commercial & industrial | $1.51B | 12.9% | |
| Consumer / individual | $2.20B | 18.7% | |
| Construction & development | $475.86M | 4.1% | |
| Agricultural | $54.13M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $11.63B | $10.15B | $72.42M | $1.24B |
| Jun 2023 | $11.81B | $9.69B | $62.37M | $1.22B |
| Jun 2024 | $13.40B | $11.47B | $64.72M | $1.45B |
| Jun 2025 | $15.91B | $13.76B | $55.85M | $1.78B |
| Jun 2026 | $16.09B | $13.68B | $96.78M | $1.86B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $11.12B | 128 |
| Pennsylvania | $1.41B | 24 |
| Connecticut | $500.17M | 6 |
| Massachusetts | $232.45M | 7 |
| New Hampshire | $202.84M | 4 |
| Vermont | $148.90M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $13.68B.
Similar-sized banks
Bank Of Baroda ($16.24B) · Live Oak Banking Company ($15.96B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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