NBT BANK, NATIONAL ASSOCIATION

NORWICH, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1856FDIC #7,230

Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.18%

Institution Profile

FDIC BankFind

Website

www.nbtbank.com

Address

52 S Broad St, NORWICH, NY

County

Chenango County

Established

March 3, 1856

Total Assets

$16.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 2, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2026(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$16.1B

Total Deposits

$13.9B

Net Loans

$11.4B

Net Income

$47M

ROA

1.18%

Above avg for Regional banks. Peer avg: 0.88%

ROE

10.23%

Risk-Based Capital

13.17%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.18%Peer avg: 0.88%▲ Above avg

Risk-Based Capital13.17%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate21.81%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

177

Branch Deposits

$13.8B

1-Year Change

+22

5-year net change: +29 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,925	64.41%	21.81%
2023	2,991	63.96%	21.36%
2022	3,548	64.12%	22.66%
2021	4,047	61.72%	20.76%
2020	4,613	60.89%	23.89%
2019	4,831	60.19%	27.30%
2018	5,098	60.38%	29.62%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2023	Satisfactory	Large Bank
Sep 2020	Satisfactory	Large Bank
Sep 2017	Satisfactory	Large Bank

9 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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