NBT Bank, National Association
NBT Bank, National Association is headquartered in Norwich and is the 12th 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 March of 2018, it had grown to 1,513 employees at 156 locations. NBT Bank, National Association has an A health rating.
No fees
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
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 .
Data as of Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7230 |
| Year Established | 1856 |
| Employees | 1513 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.09% |
| Return on Equity - YTD | 9.98% |
| Annual Interest Income | $80.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $9.16B$8.87B |
| Loans | Q1 2018vs Q1 2017 | $6.58B$6.21B |
| Deposits | Q1 2018vs Q1 2017 | $7.44B$7.22B |
| Equity Capital | Q1 2018vs Q1 2017 | $998.8MM$969.2MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $70.2MM$65.7MM |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $23.5MM$30.2MM |
| Real Estate Owned | Q1 2018vs Q1 2017 | $4.9MM$6.9MM |
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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 | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $2.5k* | - | Health Savings Account | ||
| OTHER TIERS: 0.10% → Up to $2,500 | |||||
| 0.10%* | $2.5k* | $10k | iStrive Savings Account | ||
| OTHER TIERS: 0.05% → Any amount | |||||
| 0.05% | $100 | - | eSavings | ||
| 0.05% | $25 | - | Statement Savings Account | ||
NBT Bank, National Association Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.01% | $100 | - | eChecking |
