NBT Bank, National Association

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.nbtbank.com

607-337-6245

52 South Broad Street
Norwich, NY 13815

NBT Bank, National Association is headquartered in NORWICH and is the 12^th largest bank in the state of New York. It is also the 131^st largest bank in the nation. It was established in 1856 and as of December of 2024, it had grown to 1,715 employees at 156 locations. NBT Bank, National Association's money market rates are 8X the national average, and it has an A health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7230
Year Established	1856
Employees	1715
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	9.44%
Annual Interest Income	$611.6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$13.68B$13.22B
Loans	Q4 2024vs Q4 2023	$9.86B$9.54B
Deposits	Q4 2024vs Q4 2023	$11.77B$11.15B
Equity Capital	Q4 2024vs Q4 2023	$1.49B$1.44B
Loan Loss Allowance	Q4 2024vs Q4 2023	$116MM$114.4MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$50.3MM$37MM
Real Estate Owned	Q4 2024vs Q4 2023	$182K$0

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.10% → $0 - $2.5k \| 0.15% → $2.5k - $25k \| 0.25% → $25k - $50k
0.03%	$100	-	eSavings
0.03%	$0	-	iStrive Savings Account
0.03%	$25	-	Statement Savings Account

NBT Bank, National Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.51%^*	$500k^*	-	Accelerate Money Market
OTHER TIERS: 1.26% → $25k - $50k \| 1.71% → $50k - $100k \| 2.22% → $100k - $250k \| 2.99% → $250k - $500k

NBT Bank, National Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$100	-	eChecking
0.01%	$100	-	Classic Interest Checking

Locations

Availability

Binghamton Area

Binghamton Area bank & credit union details

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