NBT Bank, National Association

Overview / Commentary
52 South Broad Street
Norwich, NY 13815

NBT Bank, National Association is headquartered in NORWICH and is the 11th largest bank in the state of New York. It is also the 133rd largest bank in the nation. It was established in 1856 and as of March of 2024, it had grown to 1,685 employees at 156 locations. NBT Bank, National Association has an A+ health rating.

Reviews (4)

No fees

Posted by: |

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: |

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.


Checking your account after 10 at night will always yield a false total. I have checked my account may times at night and is says i have a negative amount until morning. THERE SYSTEM IS BROKEN. This is not a safe bank to keep your money with.

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 - YTD0.98%
Return on Equity - YTD9.05%
Annual Interest Income$146.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$13.34B$11.76B
LoansQ1 2024vs Q1 2023$9.58B$8.16B
DepositsQ1 2024vs Q1 2023$11.38B$9.83B
Equity CapitalQ1 2024vs Q1 2023$1.44B$1.23B
Loan Loss AllowanceQ1 2024vs Q1 2023$115.3MM$100.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$36.7MM$17.2MM
Real Estate OwnedQ1 2024vs Q1 2023$0$105K
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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

0.30%*$50k*-Health Savings Account
OTHER TIERS: 0.10% $0 - $2.5k | 0.15% $2.5k - $25k | 0.25% $25k - $50k
0.03%$0-iStrive Savings Account
0.03%$25-Statement Savings Account

NBT Bank, National Association Checking Account Rates

0.01%$100-Classic Interest Checking


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