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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.95% | 1.06% | 1.18% | 1.21% | +44 bps | |
| Return on Equity | 7.00% | 8.58% | 9.48% | 10.23% | 10.45% | +344 bps | |
| Net Interest Margin | 3.24% | 3.23% | 3.29% | 3.52% | 3.54% | +29 bps | |
| Efficiency Ratio | 64.55% | 61.87% | 60.43% | 58.08% | 57.48% | -707 bps | |
| Non-Interest Burden | 1.81% | 1.71% | 1.69% | 1.74% | 1.72% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.68% | 16.51% | 16.05% | 16.93% | 1.16% | -1,752 bps | |
| Loan Growth (YoY) | 17.97% | 17.04% | 16.23% | 15.54% | 2.11% | -1,585 bps | |
| Deposit Growth (YoY) | 19.90% | 16.88% | 15.83% | 16.36% | -0.56% | -2,047 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.46% | 0.45% | 0.53% | 0.55% | +15 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.15% | 0.16% | 0.17% | 0.16% | 0 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.19% | 1.20% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.6x | 2.7x | 2.3x | 2.2x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.52% | 9.22% | 9.35% | 9.47% | 9.49% | -3 bps | |
| Total Risk-Based Capital | 12.44% | 12.77% | 13.02% | 13.17% | 12.89% | +45 bps | |
| Equity / Assets | 11.18% | 11.34% | 11.64% | 11.50% | 11.55% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.54% | 84.11% | 85.09% | 83.13% | 86.81% | +228 bps | |
| Liquid Assets / Assets | 6.81% | 7.26% | 6.68% | 8.14% | 5.33% | -147 bps | |
| CRE / Total Capital | n/a | 325% | 315% | 312% | n/a | n/a | |