Norwich, NY · Cert 7230 · NBT Bcorp Inc.
National charter · OCC · 175 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
60
Profitability
49
Liquidity
87
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Norwich, NY · Cert 7230 · NBT Bcorp Inc.
National charter · OCC · 175 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 2.5% share · #7 of 20 inst. · $1.6B of $67.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.02% | 1.01% | 0.77% | 0.95% | 1.06% | 1.18% | 1.21% | +44 bps | |
| Return on Equity | 9.28% | 9.44% | 9.20% | 7.00% | 8.58% | 9.48% | 10.23% | 10.45% | +344 bps | |
| Net Interest Margin | 3.08% | 3.08% | 3.29% | 3.24% | 3.23% | 3.29% | 3.52% | 3.54% | +29 bps | |
| Efficiency Ratio | 61.32% | 61.80% | 61.25% | 64.55% | 61.87% | 60.43% | 58.08% | 57.48% | -707 bps | |
| Non-Interest Burden | 1.58% | 1.61% | 1.69% | 1.81% | 1.71% | 1.69% | 1.74% | 1.72% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.03% | 3.52% | 3.12% | 18.68% | 16.51% | 16.05% | 16.93% | 1.16% | -1,752 bps | |
| Loan Growth (YoY) | 2.47% | 3.37% | 3.12% | 17.97% | 17.04% | 16.23% | 15.54% | 2.11% | -1,585 bps | |
| Deposit Growth (YoY) | 1.95% | 5.58% | 4.87% | 19.90% | 16.88% | 15.83% | 16.36% | -0.56% | -2,047 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.52% | 0.48% | 0.40% | 0.46% | 0.45% | 0.53% | 0.55% | +15 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.18% | 0.26% | 0.15% | 0.15% | 0.16% | 0.17% | 0.16% | 0 bps | |
| Allowance / Loans | 1.21% | 1.16% | 1.17% | 1.21% | 1.20% | 1.19% | 1.20% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.2x | 2.5x | 3.0x | 2.6x | 2.7x | 2.3x | 2.2x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.39% | 9.47% | 9.52% | 9.22% | 9.35% | 9.47% | 9.49% | -3 bps | |
| Total Risk-Based Capital | 12.92% | 12.86% | 12.98% | 12.44% | 12.77% | 13.02% | 13.17% | 12.89% | +45 bps | |
| Equity / Assets | 10.89% | 10.88% | 11.03% | 11.18% | 11.34% | 11.64% | 11.50% | 11.55% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.00% | 84.80% | 83.71% | 84.54% | 84.11% | 85.09% | 83.13% | 86.81% | +228 bps | |
| Liquid Assets / Assets | 7.89% | 6.71% | 6.33% | 6.81% | 7.26% | 6.68% | 8.14% | 5.33% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 315% | 312% | n/a | n/a | |
Norwich, NY · Cert 7230 · Peer group: banks over $10B in assets (n=142-144) · NBT Bcorp Inc.
National charter · OCC · 175 branches
Q2 2026
Return on Assets
1.20%
Rank 82 of 144
Net Interest Margin
3.54%
Rank 53 of 144
Efficiency Ratio
59.22%
Rank 92 of 144
Equity / Assets
11.55%
Rank 67 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 1.00% | 1.26% | 1.54% | Beats 43% | 82 / 144 | ||
| Return on Equity | 10.41% | 8.98% | 11.34% | 14.40% | Beats 40% | 86 / 144 | ||
| Net Interest Margin | 3.54% | 2.82% | 3.31% | 3.68% | Beats 63% | 53 / 144 | ||
| Efficiency Ratio | 59.22% | 49.42% | 56.02% | 62.41% | Beats 37% | 92 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.48% | 0.73% | 1.07% | Beats 66% | 49 / 142 | ||
| Net Charge-Offs / Loans | 0.11% | 0.05% | 0.11% | 0.22% | Beats 53% | 68 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.80% | 12.07% | 12.98% | 14.92% | Beats 17% | 120 / 144 | ||
| Total Risk-Based Capital Ratio | 12.89% | 13.39% | 14.14% | 16.25% | Beats 13% | 126 / 144 | ||
| Equity / Assets | 11.55% | 9.69% | 11.39% | 12.96% | Beats 53% | 67 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.81% | 75.72% | 84.92% | 91.56% | 54th pctl | 66 / 143 | ||
| Loans / Assets | 73.79% | 59.83% | 69.07% | 74.80% | 69th pctl | 44 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||