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.


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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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