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NBT Bank, National Association

$10B-$250B Specialty: Commercial NY FDIC cert 7230

Norwich, NY

178 branches across NY · PA · MA · CT · NH · VT · ME

137 banks in the $10B-$250B peer group nationally 11 in NY
View $10B-$250B leaderboard (NY) →

NBT Bank, National Association has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.1% in tier
  • - ROA 0.10% below tier average
  • - Efficiency Ratio 4.07% above tier average
Get updates when NBT Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $16.1B
+16.9% YoY +1.3% QoQ
-$30.9B $47.0B
-1.9% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
26%
Total Loans ? $11.4B
+15.5% YoY -0.5% QoQ
-$17.9B $29.4B
-0.4% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
27%
Total Deposits ? $13.9B
+16.4% YoY +1.9% QoQ
-$24.5B $38.4B
-1.6% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
28%
Return on Assets ? 1.18%
+17.4% YoY +11.2% QoQ
-0.10% 1.28%
+18.7% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.76%
+5.5% YoY -0.4% QoQ
-0.01% 3.77%
+5.8% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
63%
Efficiency Ratio ? 58.08%
-5.2% YoY -3.9% QoQ
+4.07% 54.01%
-3.7% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
39%
Delinquency Rate ? 0.54%
+11.2% YoY +19.0% QoQ
-0.48% 1.02%
-3.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
65%
Loan-to-Deposit Ratio ? 82.13%
-0.7% YoY -2.3% QoQ
+1.34% 80.79%
+1.9% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
58%
Non-Interest-Bearing Deposit Share ? 8.57%
+4.0% YoY +13.1% QoQ
-11.47% 20.04%
+0.2% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
21%
Nonperforming Asset Ratio ? 0.38%
+9.2% YoY +16.0% QoQ
-0.34% 0.72%
+4.2% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 12.06%
+1.4% YoY +1.1% QoQ
-3.45% 15.51%
-0.4% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.19%
-9.3% YoY -75.5% QoQ
-0.03% 0.22%
+0.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#14 of 72 • Bottom 18.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.54%
(Tier: 1.02%, National: 0.95%)
better than tier avg
72 of 72 Large banks match · 1899 nationally
→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 137 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

109
Non-Interest-Bearing Deposit Share
funding
Value: 8.57%
Peer Median: 20.04%
#109 of 137 Bottom 21.2% in $10B-$250B
104
Tier 1 Capital Ratio
capital
Value: 12.06%
Peer Median: 15.51%
#104 of 137 Bottom 24.8% in $10B-$250B
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