NBT Bank, National Association
Norwich, NY · Owner: NBT Bcorp Inc
$16.1B
total assets, June 30, 2026
$16.1B
total assets, June 30, 2026
NBT Bank, National Association is a national bank based in Norwich, NY, owned by NBT Bcorp Inc. As of June 30, 2026 it held $16.1 billion in assets and $13.7 billion in deposits; assets were up 1.2% from a year before. It has 175 branches in 7 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$16.1B
+1.2% in a year · 0.0% in a quarter
Deposits
$13.7B
-0.6% in a year · -1.5% in a quarter
Loans
$11.9B
+2.1% in a year · +2.8% in a quarter
Profit so far
$96.8M
Jan 1 to Jun 30, 2026 · +73.3% in a year
Capital ratio
9.49%
-0.03 pts in a year
Return on assets
1.21%
+0.43 pts in a year
Facts
- Type
- National bank
- Head office
- 52 S Broad St, Norwich, NY, 13815
- County
- Chenango
- Holding company
- NBT Bcorp Inc
- Established
- Mar 3, 1856
- Employees
- 1,976
- Branches
- 175 in 7 states
- Website
- www.nbtbank.com
- Id
- b7230
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
175 offices as of June 30, 2026, holding $13.7 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| New York | 128 | $11.1B | 81.3% |
| Pennsylvania | 24 | $1.4B | 10.3% |
| Connecticut | 6 | $500M | 3.7% |
| Massachusetts | 7 | $232M | 1.7% |
| New Hampshire | 4 | $203M | 1.5% |
| Vermont | 4 | $149M | 1.1% |
| Maine | 2 | $67.4M | 0.5% |
| Largest branches | Place | Deposits |
|---|---|---|
| Nbt Bank, National Association (main office) | Norwich, NY | $443M |
| Evans Bank Branch | Angola, NY | $254M |
| Cortland Branch | Cortland, NY | $218M |
| Vestal Branch | Vestal, NY | $209M |
| West Seneca Branch | West Seneca, NY | $204M |
| Johnstown Branch | Johnstown, NY | $196M |
| Clinton Branch | Clinton, NY | $188M |
| Lakeville Regional Financial Center Branch | Lakeville, CT | $182M |
| Hamilton Branch | Hamilton, NY | $181M |
| Elmwood Village Branch | Buffalo, NY | $179M |
Related pages
Questions and answers
How big is NBT Bank, National Association?
$16.1 billion in total assets and $13.7 billion in deposits as of June 30, 2026, with assets up 1.2% from a year before. Its loans were $11.9 billion.
How many branches does NBT Bank, National Association have?
175 branches in 7 states as of June 30, 2026. The most deposits are in New York ($11.1 billion).
Is NBT Bank, National Association profitable?
Yes: it earned $96.8 million from January 1 to June 30, 2026 (up 73.3% from the same months a year before). Its return on assets was 1.21% a year; about 1% is typical.
Who owns NBT Bank, National Association?
NBT Bank, National Association is owned by NBT Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.