NBT Bank, National Association
NBT Bank, National Association is an FDIC insured institution headquartered at
52 S Broad St, Norwich, NY 13815.
Deposit Rates -
August 18, 2026
SAVINGS RATES
APY
MIN
Savings
0.05% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.25% $10,000
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6 Mo CD
0.25% $100,000
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12 Mo CD
0.40% $10,000
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12 Mo CD
0.40% $100,000
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18 Mo CD
0.40% $10,000
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18 Mo CD
0.40% $100,000
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24 Mo CD
0.60% $10,000
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24 Mo CD
0.60% $100,000
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30 Mo CD
0.60% $10,000
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30 Mo CD
0.60% $100,000
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36 Mo CD
0.65% $10,000
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36 Mo CD
0.65% $100,000
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48 Mo CD
0.70% $10,000
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48 Mo CD
0.70% $100,000
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60 Mo CD
0.75% $10,000
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60 Mo CD
0.75% $100,000
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MM RATES
APY
MIN
Money Market
0.10% $10,000
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Money Market
0.10% $25,000
Compare
INT CHECKING RATES
APY
MIN
Int Ckg
0.01% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 7230
Date Established
1856
Assets
$ 15.88 billion
Loans
$ 11.46 billion
Deposits
$ 13.63 billion
Capital
$ 1,848.42 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 483.28 million
Interest-bearing balances
$ 298.12 million
Total securities
$ 2.64 billion
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 11.46 billion
Loan loss allowance
$ 138.00 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.40 million
Goodwill and other intangibles
$ 477.80 million
All other assets
$ 543.15 million
Total Assets $ 14.03 billion
LIABILITIES
Total deposits
$ 13.63 billion
Interest-bearing deposits
$ 12.60 billion
Deposits held in domestic offices
$ 13.63 billion
% insured (estimated)" 57.43%
Federal funds purchased and repurchase agreements
$ 148.07 million
Trading liabilities
N.A.
Other borrowed funds
$ 3.35 million
Subordinated debt
N.A.
All other liabilities
$ 178.81 millionn
Total Liabilities $ 14.03 billion
Shareholders’ Equity $ 1,848.42 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 710.92 million
Total Interest Expense
$ 197.44 million
Net interest income
$ 513.48 million
Provision for loan and lease losses
$ 33.63 million
Total non interest income
$ 124.54 million
Total non interest expense
$ 396.05 million
Pre-tax Net Operating Income
$ 93.81 million
Customer Reviews for NBT Bank, National Association
Branches
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NBT Bank, National Association Locations
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