NBT Bank
NBT Bank reported total assets of $16.1 bn at Q2 2026, up 1.2% from a year earlier. That ranks 120th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 11.80%, and an estimated 42.52% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 0.97 pp on Q1 2026, to 42.52%
- Net loans and leases: up 2.8% on Q1 2026, to $11.7 bn
- Total deposits: down 1.5% on Q1 2026, to $13.7 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about NBT Bank?
Its largest one-quarter change in total assets since Q1 2016 was +16.4% between Q2 2023 and Q3 2023, when it absorbed Salisbury Bank and Trust Company.
How large is NBT Bank?
At Q2 2026 the bank held $16.1 bn of assets. Deposits were $13.7 bn and net loans and leases $11.7 bn, a loan-to-deposit ratio of 85.78%. Securities of $2.8 bn made up 17.2% of assets.
Total assets rose 91.4% between Q1 2016 and Q2 2026, from $8.4 bn.
How much of its funding is uninsured?
An estimated 42.52% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.97 pp from the previous quarter and +0.34 pp from a year earlier. That share ranks 164th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $16.1 bn | +1.2% | 120th of 497 |
| Total deposits | $13.7 bn | -0.6% | 120th of 499 |
| Net loans and leases | $11.7 bn | +2.1% | 115th of 500 |
| Bank equity capital | $1.9 bn | +4.5% | 116th of 498 |
| Common equity tier 1 (CET1) ratio | 11.80% | +0.45 pp | 360th of 448 |
| Tier 1 leverage ratio | 9.49% | -0.03 pp | 373rd of 500 |
| Return on equity (ROE) | 10.45% | +3.45 pp | 328th of 500 |
| Net interest margin | 3.79% | +0.13 pp | 206th of 500 |
| Uninsured share of domestic deposits | 42.52% | +0.34 pp | 164th of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $62.4 mn | Narrowed by $11.9 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $16.1bn
- Deposits $13.7bn
- Net loans $11.7bn
Capital and securities
The common equity tier 1 (CET1) ratio was 11.80% at Q2 2026, +0.45 pp from a year earlier. Since Q1 2016 it has ranged from 10.42% (Q2 2016) to 14.09% (Q2 2021). At Q2 2026 the tier 1 leverage ratio was 9.49% and the total risk-based capital ratio 12.89%. The median CET1 ratio of the size peers listed below was 12.50% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $62.4 mn at Q2 2026, measured as fair value minus amortized cost, equal to 3.4% of bank equity capital. The loss narrowed by $11.9 mn from a year earlier. The largest unrealized loss on these securities was $130.5 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $104.7 mn at Q2 2026; the loss narrowed by $18.2 mn from a year earlier.
Capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.5%
Unrealized gains and losses on securities
- Available for sale -$105mn
- Held to maturity -$62mn
Profitability and loan quality
Return on equity was 10.45% for the year to Q2 2026, annualized, with a return on assets of 1.21% and a net interest margin of 3.79%. The margin was +0.13 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 57.48%. Net income for the year to Q2 2026 was $96.8 mn, up 73.3% on the same period a year earlier. The median return on equity of its size peers was 10.23% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.55% of total loans at Q2 2026. Net charge-offs for the year to date were 0.16% of average loans, annualized.
Profitability
- Return on equity 10%
- Net interest margin 3.8%
- Return on assets 1.2%
Compared with banks of similar size
The six banks ranked closest to NBT Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, NBT Bank is 4th by total assets. Its CET1 ratio of 11.80% compares with a peer median of 12.50%, its tier 1 leverage ratio of 9.49% compares with a peer median of 10.04%, and its return on equity of 10.45% compares with a peer median of 10.23%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| FirstBank | $16.8 bn | 11.29% | 12.13% | 42.74% | |
| First United Bank and Trust Company | $16.6 bn | 12.28% | 9.48% | 36.50% | |
| Banner Bank | $16.6 bn | 12.71% | 10.97% | 32.49% | |
| NBT Bank | $16.1 bn | 11.80% | 10.45% | 42.52% | |
| Live Oak Banking Company | $16.0 bn | 10.46% | 12.59% | 16.60% | |
| Safra National Bank of New York | $15.7 bn | 23.40% | 9.25% | 53.69% | |
| Sunflower Bank | $15.7 bn | 12.98% | 2.63% | 31.30% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 12.50%, return on equity 10.23%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
NBT Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 17.2% to $16.1 bn, deposits rose 15.9% to $13.7 bn and bank equity capital rose 24.3% to $1.9 bn. Over the same period its full-time equivalent staff went from 1,700 to 1,976 and its offices went from 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
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).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 7230
- Federal Reserve RSSD ID
- 702117
- Head office
- Norwich, New York
- Holding company
- NBT BCORP INC (as reported to the FDIC)
- Holding company RSSD ID
- 1139279
- EconoMonitor ID
- EMB-US-000178
Frequently asked questions
What were NBT Bank's total assets?
$16.1 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 120th among 497 banks reporting this metric (1 = highest).
Is NBT Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 7230). Its holding company, NBT BCORP INC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after NBT Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 7230, and in the Call Reports filed under RSSD ID 702117 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.