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.
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.
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 .
|FDIC Certificate #||7230|
|Return on Assets - YTD||0.88%|
|Return on Equity - YTD||8.11%|
|Annual Interest Income||$286.3MM|
|Assets and Liabilities|
|Assets||Q4 2016vs Q4 2015||$8.79B$8.20B|
|Loans||Q4 2016vs Q4 2015||$6.13B$5.82B|
|Deposits||Q4 2016vs Q4 2015||$7.00B$6.66B|
|Equity Capital||Q4 2016vs Q4 2015||$956.1MM$894.3MM|
|Loan Loss Allowance||Q4 2016vs Q4 2015||$65.2MM$63.0MM|
|Unbacked Noncurrent Loans||Q4 2016vs Q4 2015||$34.3MM$33.2MM|
|Real Estate Owned||Q4 2016vs Q4 2015||$5.6MM$4.7MM|
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