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 NBT Bank, National Association
NBT Bank, National Association
| RSSD ID 702117 | CERTIFICATE 7230 | ABA NUMBER 21303618 |
| 52 S Broad St |
Quarter Ended : |
2025-09-30 |
| Norwich, New York, 13815 |
Updated : |
2025-10-30 |
| www.nbtbank.com |
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| Institution Profile |
| Year Opened : |
1856 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
177 |
Number of Employees : |
1,926 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 16,002,805 |
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Total Interest Income | 522,392 |
| Total Liabilities | 14,188,454 |
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Total NonInterest Income | 91,197 |
| Total Bank Equity Capital | 1,814,351 |
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Total Interest Expense | 146,648 |
| Total Deposits | 13,790,513 |
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Total NonInterest Expense | 296,377 |
| Net Loans & Leases | 11,456,134 |
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Net Income | 106,184 |
| Loan Loss Allowance | 139,000 |
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Net Charge Offs | 13,215 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 1,563,426 |
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Total loans | 11,600,816 |
| Total assets for the leverage ratio | 15,500,728 |
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Loans secured by real estate: | 7,790,702 |
| Tier 1 Leverage Ratio | 9.22 |
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Commercial and industrial loans | 1,433,358 |
| Tier 1 Capital Ratio | 11.68 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.77 |
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Loans to individuals - Other | 2,168,545 |
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:· NBT Bank, National Association
