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Overview / Commentary
52 South Broad Street
Norwich, NY 13815

NBT Bank, National Association is headquartered in Norwich and is the 12th largest bank in the state of New York. It is also the 139th largest bank in the nation. It was established in 1856 and as of December of 2016, it had grown to 1,111 employees at 157 locations. NBT Bank, National Association has an A health rating.

Reviews (3)

No fees

Posted by: Crayon | Jun 4, 2015

NBT bank has no fees in my checking and savings. They have very low interest rates. They have fraud security. They have a 32 dollar overdraft fee. I have been with NBT for about 10 years and have tried other banks. They used to have a maintenance fee.

Good, But Could Be better

Posted by: manjetwop | Nov 13, 2014

I recently opened an account at NBT bank. We chose them based off of their convenient locations and nothing else. The only thing I like about this bank is their customer service. Everything else is decades behind their competitors. Their web/mobile experience is almost nonexistent and their products are dated. Needless to say they are stuck in the early 2000s and really don't have anything up to date. Although I do have an account with them, I chose to use my other bank account if I am able to do so.

Sub Par Experience With Arrogance

Very unexceptional bank with mediocre products that don't stand up to the larger banks. If you just need a deposit checking and they are close you will be ok. If you need banking services and guidance for your business and sophisticated products look further. Very arrogant credit culture starting at the top. Lower staff support seems apologetic for the direction the bank has gone . So much for personal friendly service .


Health Grade Components

FDIC Certificate #7230
Year Established1856
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD8.11%
Annual Interest Income$286.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$8.79B$8.20B
LoansQ4 2016vs Q4 2015$6.13B$5.82B
DepositsQ4 2016vs Q4 2015$7.00B$6.66B
Equity CapitalQ4 2016vs Q4 2015$956.1MM$894.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$65.2MM$63.0MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$34.3MM$33.2MM
Real Estate OwnedQ4 2016vs Q4 2015$5.6MM$4.7MM

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NBT Bank, National Association has 155 locations. Click to view all NBT Bank, National Association locations.