NBT Bank, National Association
Norwich, NY
IDRSSD: 702117
Total Assets
$15.88B
Latest filing
Total Deposits
$13.63B
Latest filing
Net Interest Margin
3.82%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
NBT Bank, National Association
52 S Broad St
Norwich, NY 13815
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/03/1856FDIC Certificate 4765
Branches (176)
Page 1 of 26| Name | Address | City / State |
|---|---|---|
| NBT Bank, National Association (Main) | 52 S Broad St | Norwich, NY |
| LAKEVILLE REGIONAL FINANCIAL CENTER BRANCH | 5 Bissell St | Lakeville, CT |
| CANAAN BRANCH | 100 Main St | Canaan, CT |
| LEE BRANCH | 76 Park St | Lee, MA |
| SHARON BRANCH | 5 Gay St | Sharon, CT |
| SOUTH EGREMONT BRANCH | 51 Main St | South Egremont, MA |
| FORESTVILLE BRANCH | 25 Main St | Forestville, NY |
| HAMBURG BRANCH | 5999 S Park Ave | Hamburg, NY |
Showing 7 of 176
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/03/1856 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 13815 |
| State and County Number | 36017 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 1,926 |
| Domestic Offices | 177 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/02/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.nbtbank.com |
| Data Updated | 01/30/2026 |
| CERT | 7230 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $15.88B |
| Total Deposits | $13.63B |
| Total Liabilities | $14.03B |
| Total Equity Capital | $1.85B |
| Net Income | $54.06M |
| Net Loans and Leases | $11.46B |
| Assets Per Employee ($Millions) | $8.16M |
| Bank Premises and Fixed Assets | $95.83M |
| Cash and Balances due from Depository Institutions | $483.28M |
| Deposits Held in Domestic Offices | $13.63B |
Key Performance Ratios
| Return on Assets (ROA) | 1.36% |
| Return on Equity (ROE) | 11.81% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 56.5% |
| Tier 1 Risk-Based Capital Ratio | 11.925% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.64% |
| Earning Assets to total Assets | 90.66% |
Income and Expense
| Total Interest Income | $188.53M |
| Total Noninterest Income | $33.34M |
| Total Interest Expense | $50.79M |
| Total Noninterest Expense | $99.68M |
| Net Interest Income | $137.73M |
| Pre-tax Net Operating Income | $67.74M |
| Provision for Credit Losses | $3.67M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $402.00k |
| Other borrowed funds | $43.18M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $148.07M |
| All Other Liabilities | $207.79M |
| Total Liabilities and Capital | $15.88B |
Securities
| Securities | $2.64B |
| Available-for-sale debt securities | $1.86B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $762.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of NBT Bank, National Association?
$15.88B as of the latest filing.
How much are NBT Bank, National Association's total deposits?
$13.63B in total deposits.
Where is NBT Bank, National Association located?
Norwich, NY.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
177.
When was it established?
03/03/1856.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$11.46B (latest filing).
What is the total interest income (latest filing)?
$188.53M.