What is NBT Bank, National Association's financial health grade?

NBT Bank, National Association has a TFS Financial Health Grade of C (score: 73.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does NBT Bank, National Association have?

NBT Bank, National Association has 177 branch locations across the United States.

Is NBT Bank, National Association FDIC insured?

Yes, NBT Bank, National Association is FDIC insured (Certificate #7230).

What are the total assets of NBT Bank, National Association?

NBT Bank, National Association has total assets of $15.9B as reported in its most recent FDIC filing.

NBT Bank, National Association

BankNorwich, New York

www.nbtbank.com

Total Assets

$15.9B

Total Deposits

$13.6B

Branches

177

Established

1856

TFS Health Grade

73.3 / 100

Average financial health

How we grade

NBT Bank, National Association is a bank headquartered in Norwich, New York, established in 1856. With $15.9B in total assets and 177 branch locations, it has a TFS Financial Health Grade of C (73.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.35%(8%)

Total Capital Ratio

13.02%(10%)

Non-Performing Loan Ratio

0.45%

Profitability

Return on Assets (ROA)

1.06%(1%)

Return on Equity (ROE)

9.48%(10%)

Net Interest Margin

3.78%

Efficiency Ratio

60.43%(60%)

Lending & Liquidity

Total Loans

$11.6B

Loan-to-Deposit Ratio

84.07%

Net Charge-Off Ratio

0.16%

Growth

Asset Growth (YoY)

+16.05%

Deposit Growth (YoY)

+15.83%

Net Income

$160.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
NBT Bank, National AssociationHQ	52 S Broad St	Norwich	NY	11
NBT Bank, National Association	100 Main St	Canaan	CT	11
NBT Bank, National Association	2670 Main St	Glastonbury	CT	11
NBT Bank, National Association	5 Bissell St	Lakeville	CT	11
NBT Bank, National Association	18 Main St	Salisbury	CT	11
NBT Bank, National Association	5 Gay St	Sharon	CT	11
NBT Bank, National Association	68 S Main St	West Hartford	CT	11
NBT Bank, National Association	210 Main St	Great Barrington	MA	11
NBT Bank, National Association	700 Main St	Great Barrington	MA	11
NBT Bank, National Association	76 Park St	Lee	MA	11
NBT Bank, National Association	331 State Rd	North Adams	MA	11
NBT Bank, National Association	75 North Street	Pittsfield	MA	11
NBT Bank, National Association	609 Merrill Rd	Pittsfield	MA	11
NBT Bank, National Association	640 N Main St	Sheffield	MA	11
NBT Bank, National Association	51 Main St	South Egremont	MA	11
NBT Bank, National Association	5 Widgery Wharf Fl 3	Portland	ME	11
NBT Bank, National Association	118 N Main St	Concord	NH	11
NBT Bank, National Association	210 West St	Keene	NH	11
NBT Bank, National Association	80 Canal St	Manchester	NH	11
NBT Bank, National Association	221 Main St	Nashua	NH	11
NBT Bank, National Association	182 Main St	Afton	NY	11
NBT Bank, National Association	54 State St	Albany	NY	11
NBT Bank, National Association	80 Wolf Rd	Albany	NY	11
NBT Bank, National Association	3388 Sheridan Dr	Amherst	NY	11
NBT Bank, National Association	106 Hannford Plaza	Amsterdam	NY	11
NBT Bank, National Association	8599 Erie Rd	Angola	NY	11
NBT Bank, National Association	9 N Main St	Bainbridge	NY	11
NBT Bank, National Association	8260 Willett Pkwy	Baldwinsville	NY	11
NBT Bank, National Association	1256 Front St	Binghamton	NY	11
NBT Bank, National Association	156 Robison Street	Binghamton	NY	11
NBT Bank, National Association	7205 Boston State Road	Boston	NY	11
NBT Bank, National Association	9556 Brewerton Rd	Brewerton	NY	11
NBT Bank, National Association	3711 State Highway 30	Broadalbin	NY	11
NBT Bank, National Association	419 Monroe St	Buffalo	NY	11
NBT Bank, National Association	2670 Delaware Ave	Buffalo	NY	11
NBT Bank, National Association	925 Elmwood Ave	Buffalo	NY	11
NBT Bank, National Association	5390 W Genesee St	Camillus	NY	11
NBT Bank, National Association	20 Mohawk St	Canajoharie	NY	11
NBT Bank, National Association	3273 Seneca Tpke	Canastota	NY	11
NBT Bank, National Association	5 Park Pl	Canton	NY	11
NBT Bank, National Association	16 Main St	Cherry Valley	NY	11
NBT Bank, National Association	2743 Route 26	Cincinnatus	NY	11
NBT Bank, National Association	1 Kirkland Ave	Clinton	NY	11
NBT Bank, National Association	691 E Main St	Cobleskill	NY	11
NBT Bank, National Association	62 Pioneer St	Cooperstown	NY	11
NBT Bank, National Association	2 Commons Dr	Cooperstown	NY	11
NBT Bank, National Association	65 Main St	Cortland	NY	11
NBT Bank, National Association	1125 State Route 222	Cortland	NY	11
NBT Bank, National Association	4979 Transit Rd	Depew	NY	11
NBT Bank, National Association	108 2nd St	Deposit	NY	11

Showing 50 of 177 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.