NBT Bank, National Association
NBT Bank, National Association is an FDIC insured institution headquartered at
52 S Broad St, Norwich, NY 13815.
It was founded in
1856 and has approximately $16 billion in assets. Customers can open an account at one of its 159 branches.
Deposit Rates - December 05, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.25% | $10,000 | Compare |
|
6 Mo CD
|
0.25% | $100,000 | Compare |
|
12 Mo CD
|
0.40% | $10,000 | Compare |
|
12 Mo CD
|
0.40% | $100,000 | Compare |
|
18 Mo CD
|
0.40% | $10,000 | Compare |
|
18 Mo CD
|
0.40% | $100,000 | Compare |
|
24 Mo CD
|
0.60% | $10,000 | Compare |
|
24 Mo CD
|
0.60% | $100,000 | Compare |
|
30 Mo CD
|
0.60% | $10,000 | Compare |
|
30 Mo CD
|
0.60% | $100,000 | Compare |
|
36 Mo CD
|
0.65% | $10,000 | Compare |
|
36 Mo CD
|
0.65% | $100,000 | Compare |
|
48 Mo CD
|
0.70% | $10,000 | Compare |
|
48 Mo CD
|
0.70% | $100,000 | Compare |
|
60 Mo CD
|
0.75% | $10,000 | Compare |
|
60 Mo CD
|
0.75% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.01% | $2,500 |
Loan Rates - December 05, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.60% | $2,050.05 |
|
15 Year Fixed Conforming
|
6.74% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.09% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.07% | $2,128.97 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
7.60% | $2,050.05 |
|
15 Year Fixed Conforming
|
6.74% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.09% | $2,480.96 |
|
30 Year Fixed Conforming
|
7.07% | $2,128.97 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 7230 |
| Date Established | 1856 |
| Assets | $ 15.91 billion |
| Loans | $ 11.49 billion |
| Deposits | $ 13.76 billion |
| Capital | $ 1,778.61 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 538.07 million |
| Interest-bearing balances | $ 273.29 million |
| Total securities | $ 2.55 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 11.49 billion |
| Loan loss allowance | $ 140.20 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.35 million |
| Goodwill and other intangibles | $ 484.63 million |
| All other assets | $ 543.15 million |
| Total Assets | $ 14.13 billion |
| LIABILITIES | |
| Total deposits | $ 13.76 billion |
| Interest-bearing deposits | $ 12.74 billion |
| Deposits held in domestic offices | $ 13.76 billion |
| % insured (estimated)" | 58.25% |
| Federal funds purchased and repurchase agreements | $ 112.97 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 3.35 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 178.81 millionn |
| Total Liabilities | $ 14.13 billion |
| Shareholders’ Equity | $ 1,778.61 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 331.95 million |
| Total Interest Expense | $ 93.28 million |
| Net interest income | $ 238.66 million |
| Provision for loan and lease losses | $ 27.18 million |
| Total non interest income | $ 59.04 million |
| Total non interest expense | $ 196.56 million |
| Pre-tax Net Operating Income | $ 93.81 million |
Customer Reviews for NBT Bank, National Association
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