NBT Bank
Legal institution: NBT Bank, National Association. Headquartered in Norwich, NY. Part of Nbt Bancorp Inc. FDIC certificate #7230 · Federal Reserve RSSD 702117.
Total assets
$16.1B
Deposits
$13.9B
Q1 2026
Active branches
175
Closings since Jan 2020
14
9 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$47M
Return on assets
1.18%
Return on equity
10.23%
Noncurrent loan rate
0.53%
Deposits by year (Summary of Deposits)
82019
92020
102021
102022
102023
112024
142025
Values in $ billions, June 30 of each year.
Closings by year
72020
32021
12023
32026
Openings by year
12020
32021
22024
22025
12026
Other network changes since 2020
- 14 branch relocations
- 32 branches acquired through purchases or mergers
Branches by state
Recent closings
- 1572 STATE HIGHWAY 26 · closed June 12, 2026
- 51 MAIN ST · closed June 12, 2026
- 29 QUAKER LAKE RD · closed June 12, 2026
- 120 MADISON STREET, MONY TOWER II, 18TH FLOOR · closed September 30, 2023
- 300 LACKAWANNA AVENUE · closed June 11, 2021
- NBT Bank — Shavertown, PAbank exits city183 NORTH MEMORIAL HWY · closed June 11, 2021
- NBT Bank — Clifton Park, NYbank exits city9 CLIFTON COUNTRY ROAD · closed June 11, 2021
- 628 SHERRILL ROAD · closed December 11, 2020
- NBT Bank — Mountain Top, PAbank exits city4 NORTH MOUNTAIN BOULEVARD · closed December 11, 2020
- 5084 ROUTE 11 · closed December 11, 2020
- 12 NORTH MAIN STREET · closed December 4, 2020
- 101 MARSHALL STREET · closed December 4, 2020
- NBT Bank — Rutland, VTbank exits city122 WEST STREET, SUITE 101 · closed December 4, 2020
- NBT Bank — Portsmouth, NHbank exits city100 MARKET STREET SUITE 201 · closed December 4, 2020
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.nbtbank.com.