NBT Bank
NBT Bank reported total assets of $16.1 bn at Q2 2026, up 1.2% on a year earlier, the 120th largest of 497 banks in our US coverage. The CET1 capital ratio at NBT Bank was 11.80%, and the uninsured share of NBT Bank was 42.52%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, NBT Bank climbed from 373rd to 278th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , NBT Bank has taken over 2 institutions; the latest was Evans Bank, National Association on (FDIC Call Reports).
What sets NBT Bank apart
How large is NBT Bank?
The balance sheet of NBT Bank at : assets $16.1 bn, deposits $13.7 bn, net loans $11.7 bn (loans equal to 85.78% of deposits). Securities make up 17.2% of total assets at NBT Bank. Since , when NBT Bank held $8.4 bn, its assets grew 91.4%. In the year to , deposits at NBT Bank fell 0.6% while its total assets rose 1.2%. At , NBT Bank employed 1,976 full-time equivalent staff across 175 offices, about $8.1 mn of assets per employee and $78.2 mn of deposits per office.
How much funding at NBT Bank is uninsured?
At NBT Bank, uninsured deposits (above the FDIC limit) made up 42.52% of domestic deposits at (+0.34 pp on a year earlier); NBT Bank ranks 164th of 500 on this measure. In dollars, NBT Bank estimated $5.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $13.7 bn | -0.6% | 120th of 499 |
| Net loans and leases | $11.7 bn | +2.1% | 115th of 500 |
| Loan-to-deposit ratio | 85.78% | +2.27 pp | 268th of 500 |
| Tier 1 leverage ratio | 9.49% | -0.03 pp | 373rd of 500 |
| Total risk-based capital ratio | 12.89% | +0.45 pp | 368th of 448 |
| Net interest margin | 3.79% | +0.13 pp | 206th of 500 |
| Return on assets (ROA) | 1.21% | +0.44 pp | 302nd of 500 |
| Efficiency ratio | 57.48% | -7.07 pp | 278th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $62.4 mn | Narrowed by $11.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $104.7 mn | Narrowed by $18.2 mn | |
| Noncurrent loans to total loans | 0.55% | +0.15 pp | 217th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.16% | -0.01 pp | 312th of 500 (1 = lowest) |
US rank of NBT Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
NBT Bank: assets, deposits and loans
- Total assets $16.1bn
- Deposits $13.7bn
- Net loans $11.7bn
Capital and securities
The CET1 ratio of NBT Bank stood at 11.80% in , +0.45 pp year on year. Low and high at NBT Bank since : 10.42% () to 14.09% (). Equity capital of NBT Bank at : $1.9 bn, or 11.6% of total assets. NBT Bank also reported a total capital ratio of 12.89% for , and a tier 1 leverage ratio of 9.49%.
On held-to-maturity securities, NBT Bank carried an unrealized loss of $62.4 mn at , equal to 3.4% of equity capital. The loss narrowed by $11.9 mn over the year. Its deepest point: $130.5 mn in . The available-for-sale portfolio of NBT Bank showed an unrealized loss of $104.7 mn at ; the loss narrowed by $18.2 mn over the year.
NBT Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.5%
NBT Bank: unrealized securities gains and losses
- Available for sale -$105mn
- Held to maturity -$62mn
Profitability and loan quality
For the year to , NBT Bank earned a return on equity of 10.45%; return on assets: 1.21%. Net interest margin at NBT Bank: 3.79%, +0.13 pp in a year. NBT Bank net income: $96.8 mn, up 73.3% year on year. The efficiency ratio of NBT Bank was 57.48%: about 57 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.55% of total loans at NBT Bank; net charge-offs: 0.16% of average loans. Gross loans and leases at NBT Bank: $11.9 bn, up 2.1% in a year.
NBT Bank: profitability
- Return on equity 10%
- Net interest margin 3.8%
- Return on assets 1.2%
Peer group of NBT Bank
The peer group of NBT Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of NBT Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in New York. Against them, NBT Bank shows CET1 ratio 11.80% against a peer median of 12.50%, return on equity 10.45% against a peer median of 10.23% and uninsured deposit share 42.52% against a peer median of 34.50%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| FirstBank | State member bank | TN | $16.8 bn | 11.29% | 12.13% | 42.74% | |
| First United Bank and Trust Company | State member bank | OK | $16.6 bn | 12.28% | 9.48% | 36.50% | |
| Banner Bank | State nonmember bank | WA | $16.6 bn | 12.71% | 10.97% | 32.49% | |
| NBT Bank | National bank | NY | $16.1 bn | 11.80% | 10.45% | 42.52% | |
| Live Oak Banking Company | State nonmember bank | NC | $16.0 bn | 10.46% | 12.59% | 16.60% | |
| Safra National Bank of New York | National bank | NY | $15.7 bn | 23.40% | 9.25% | 53.69% | |
| Sunflower Bank | National bank | TX | $15.7 bn | 12.98% | 2.63% | 31.30% | |
. FDIC Call Reports.
Last eight quarters
Two years at NBT Bank, to : assets +17.2%, deposits +15.9%, equity +24.3%. Staff 1,700 to 1,976; offices 155 to 175.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $13.7 bn | $13.7 bn | $13.8 bn | $15.9 bn | $16.0 bn | $15.9 bn | $16.1 bn | $16.1 bn |
| Total deposits | $11.8 bn | $11.8 bn | $11.9 bn | $13.8 bn | $13.8 bn | $13.6 bn | $13.9 bn | $13.7 bn |
| Bank equity capital | $1.5 bn | $1.5 bn | $1.5 bn | $1.8 bn | $1.8 bn | $1.8 bn | $1.9 bn | $1.9 bn |
| CET1 ratio | 11.81% | 11.79% | 11.89% | 11.35% | 11.68% | 11.92% | 12.06% | 11.80% |
| Return on equity (ROE) | 9.28% | 9.44% | 9.20% | 7.00% | 8.58% | 9.48% | 10.23% | 10.45% |
| Uninsured share of domestic deposits | 40.80% | 40.20% | 40.59% | 42.18% | 43.21% | 43.00% | 43.49% | 42.52% |
| Full-time equivalent employees | 1,700 | 1,715 | 1,729 | 1,974 | 1,926 | 1,947 | 1,967 | 1,976 |
| Number of offices | 155 | 156 | 156 | 176 | 176 | 176 | 177 | 175 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of NBT Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Salisbury Bank and Trust Company (FDIC certificate 18467).
- . Absorbed Evans Bank, National Association (FDIC certificate 6947).
Questions and identifiers
What were the total assets of NBT Bank?
NBT Bank reported $16.1 bn at in its Call Report. That makes NBT Bank the 120th largest of 497 banks in our US coverage.
Is NBT Bank the same as its holding company?
No. This page covers NBT Bank, FDIC certificate 7230; NBT BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is NBT Bank profitable?
NBT Bank reported net income of $96.8 mn for the year to ; annualized return on equity: 10.45%. So yes: NBT Bank made a profit over these months.
When is data for NBT Bank next updated?
Figures from NBT Bank for are due after .
Where can I check the figures for NBT Bank?
In the FDIC BankFind Suite record for certificate 7230, and in the Call Reports of NBT Bank (RSSD ID 702117) at the FFIEC Central Data Repository.