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NBT Bank, National Association

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

Norwich, NY

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
  • Deposits -0.6% year over year ($13.7B on the books).
  • Delinquency rate 0.56%.
  • Return on assets 1.21%.
  • Efficiency ratio 57.48% vs a 53.67% peer average.
  • Loan-to-deposit ratio 85.78% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

NBT Bank, National Association has 1 strength but faces 6 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 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.8% in tier
  • - Capital Thin: Bottom 20.0% in tier
  • - Flatlined Growth: Bottom 50.0% in tier
  • - ROA 0.18% below tier average
  • - Net Interest Margin 0.13% below tier average
  • - Efficiency Ratio 3.80% above tier average
Get updates when NBT Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $16.1B
+1.2% YoY +0.0% QoQ
-$27.5B $43.6B
-13.8% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $11.7B
+2.1% YoY +2.8% QoQ
-$16.2B $28.0B
-8.6% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $13.7B
-0.6% YoY -1.5% QoQ
-$21.7B $35.4B
-14.0% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 1.21%
+56.3% YoY +2.1% QoQ
-0.18% 1.39%
+25.9% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 3.79%
+3.6% YoY +0.8% QoQ
-0.13% 3.92%
+8.9% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 57.48%
-11.0% YoY -1.0% QoQ
+3.80% 53.67%
-1.9% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.56%
+37.8% YoY +3.7% QoQ
-0.46% 1.01%
-2.8% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 85.78%
+2.7% YoY +4.5% QoQ
+3.17% 82.61%
+3.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 9.68%
+31.5% YoY +13.0% QoQ
-10.90% 20.58%
+4.9% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.41%
+38.1% YoY +6.6% QoQ
-0.33% 0.73%
+5.8% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 11.80%
+4.0% YoY -2.2% QoQ
-3.55% 15.35%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.39%
+4.4% YoY +101.2% QoQ
-0.11% 0.50%
+10.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 9.7%
+2.3pp YoY
+1.1pp QoQ
 -11.4pp 21.0% 22.1% 22.2% 18%
Brokered Deposits 0.2%
-1.4pp YoY
0.0pp QoQ
 -9.0pp 9.2% 8.0% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 12.9%
+0.2pp YoY
+0.2pp QoQ
 -4.3pp 17.2% 11.0% 12.5% 39%
CRE 40.0%
-0.1pp YoY
-0.2pp QoQ
 -2.0pp 42.0% 46.2% 41.4% 42%
1-4 Family 27.2%
0.0pp YoY
-0.5pp QoQ
 +4.0pp 23.1% 36.6% 31.3% 70%
Consumer 18.7%
-0.1pp YoY
+0.3pp QoQ
 +5.9pp 12.9% 5.1% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.5pp YoY
-0.3pp QoQ
 -3.5pp 15.3% 26.1% 19.7% 17%
Leverage Ratio 9.5%
0.0pp YoY
0.0pp QoQ
 -0.9pp 10.4% 13.9% 12.6% 30%
Total Capital Ratio 12.9%
+0.5pp YoY
-0.3pp QoQ
 -3.6pp 16.5% 27.2% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 1,976
+2 (+0.1%) YoY
+9 (+0.5%) QoQ
 -1,282 3,258 914 482 51%
Assets per Employee ($) $8.1M
+1.1% YoY
-0.4% QoQ
 -$18.9M $27.0M $14.8M $8.8M 13%
Branch Count 175
-1 (-0.6%) YoY
-2 (-1.1%) QoQ
 +37 137 27 18 72%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.4% 35%
Nonaccrual 0.5%
+0.2pp YoY
0.0pp QoQ
 -0.2pp 0.7% 1.3% 1.0% 43%
Allowance Coverage 2.15x
-28.8% YoY
-4.9% QoQ
 -0.66x 2.81x 1.92x 20.23x 64%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 10.4%
+3.4pp YoY
+0.2pp QoQ
 -2.2pp 12.6% 7.9% 11.6% 44%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 2.0% 1.8% 1.7% 15%
Net Income ($, YTD) $96.8M
+73.3% YoY
— QoQ
 -$200.0M $296.8M $111.2M $40.4M 28%

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 (3)

Credit Risk Growth

risk
#5 of 59 • Bottom 6.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#8 of 35 • Bottom 20.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.80%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#14 of 26 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.21%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 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 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

116
Tier 1 Capital Ratio
capital
Value: 11.80%
Peer Median: 15.35%
#116 of 139 Bottom 17.3% in $10B-$250B
112
Non-Interest-Bearing Deposit Share
funding
Value: 9.68%
Peer Median: 20.58%
#112 of 139 Bottom 20.1% in $10B-$250B
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