Featured Savings Rates
Featured Accounts
Overview / Commentary
52 South Broad Street
Norwich, NY 13815

NBT Bank, National Association is headquartered in Norwich and is the 13th largest bank in the state of New York. It is also the 140th largest bank in the nation. It was established in 1856 and as of December of 2017, it had grown to 1,153 employees at 156 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 - YTD0.9%
Return on Equity - YTD8.22%
Annual Interest Income$308.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$9.06B$8.79B
LoansQ4 2017vs Q4 2016$6.52B$6.13B
DepositsQ4 2017vs Q4 2016$7.22B$7.00B
Equity CapitalQ4 2017vs Q4 2016$995.7MM$956.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$69.5MM$65.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$26.2MM$34.3MM
Real Estate OwnedQ4 2017vs Q4 2016$4.5MM$5.6MM
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not NBT Bank, National Association; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

NBT Bank, National Association Savings Account Rates

0.15%*$2,500*-Health Savings Account
OTHER TIERS: 0.10% Up to $2,500
0.10%*$2,500*$10kiStrive Savings Account
OTHER TIERS: 0.05% Any amount
0.05%$25-Statement Savings Account

NBT Bank, National Association Checking Account Rates



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.