NBT Bank, National Association
Norwich, NY · Cert 7230 · Peer group: banks over $10B in assets (n=142-144) · NBT Bcorp Inc.
National charter · OCC · 175 branches
Q2 2026
$16.1BAssets
$11.9BLoans
$13.7BDeposits
$1.9BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks over $10B in assets (rank 49 of 142).
- Widest gap: total risk-based capital ratio trails 87% of banks over $10B in assets (rank 126 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $275.8M · efficiency ratio beats 37% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |