Nbt Bank Mortgage Rates, Fees & Info
Norwich, NYLEI: 5493009BOQDC6PCFR785
Tax ID: 15-0395735
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Review & Overview
Nbt Bank is a smaller bank specializing in Home Purchase loans. Nbt Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Portland, Syracuse, Utica, Albany, and Scranton among others. We have data for 49 markets. (Some data included below & more in-depth data is available with an active subscription.)Nbt Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nbt Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 3.40% | 10/31/24 |
30 Year Conventional Purchase | 6.18% | 10/31/24 |
30 Year Conventional Refi | 6.15% | 10/31/24 |
30 Year Cash-out Refi | 6.22% | 10/31/24 |
30 Year FHA Purchase | 7.21% | 10/31/24 |
30 Year USDA Purchase | 6.59% | 10/31/24 |
15 Year Conventional Purchase | 5.71% | 10/31/24 |
15 Year Conventional Refi | 5.76% | 10/31/24 |
15 Year Cash-out Refi | 5.76% | 10/31/24 |
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. |
Nbt Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Nbt Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,498Origination Dollar Volume (All Markets)
$704,360,000Employee count
1,502 Show all (17) awardsNBT Bank - 2021
NBT Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for NBT Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 10 | $134,350,000 | $13,435,000 | $3,566 | 2.93% |
Outside of Metro Areas | 398 | $71,750,000 | $180,276 | $4,016 | 2.96% |
SYRACUSE, NY (FHA|USDA|VA) | 378 | $57,980,000 | $153,386 | $3,505 | 2.92% |
UTICA-ROME, NY (FHA|USDA|VA) | 283 | $56,635,000 | $200,124 | $3,905 | 2.93% |
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 157 | $50,085,000 | $319,013 | $4,282 | 2.96% |
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 236 | $35,180,000 | $149,068 | $4,031 | 2.89% |
MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 52 | $30,020,000 | $577,308 | $3,686 | 3.16% |
ITHACA, NY (FHA|USDA|VA) | 10 | $28,230,000 | $2,823,000 | $3,859 | 2.99% |
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 28 | $23,480,000 | $838,571 | $4,716 | 2.77% |
Cortland, NY (FHA|USDA|VA) | 126 | $16,840,000 | $133,651 | $3,373 | 2.89% |
Oneonta, NY (FHA|USDA|VA) | 102 | $16,450,000 | $161,275 | $3,925 | 2.88% |
BINGHAMTON, NY (FHA|USDA|VA) | 119 | $15,665,000 | $131,639 | $3,390 | 2.88% |
GLENS FALLS, NY (FHA|USDA|VA) | 58 | $15,320,000 | $264,138 | $4,346 | 3.14% |
Gloversville, NY (FHA|USDA|VA) | 104 | $15,130,000 | $145,481 | $3,944 | 2.97% |
PITTSFIELD, MA (FHA|USDA|VA) | 32 | $14,390,000 | $449,688 | $3,375 | 3.09% |
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 31 | $13,885,000 | $447,903 | $4,968 | 3.16% |
Laconia, NH (FHA|USDA|VA) | 5 | $12,915,000 | $2,583,000 | $4,463 | 3.00% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 59 | $11,645,000 | $197,373 | $4,451 | 2.84% |
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 9 | $10,855,000 | $1,206,111 | $3,349 | 3.43% |
Plattsburgh, NY (FHA|USDA|VA) | 29 | $7,745,000 | $267,069 | $3,933 | 3.03% |
Ogdensburg-Massena, NY (FHA|USDA|VA) | 58 | $6,710,000 | $115,690 | $3,604 | 2.93% |
Amsterdam, NY (FHA|USDA|VA) | 57 | $6,695,000 | $117,456 | $3,493 | 2.97% |
Malone, NY (FHA|USDA|VA) | 33 | $6,635,000 | $201,061 | $4,082 | 3.02% |
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $6,615,000 | $2,205,000 | $7,807 | 3.32% |
EAST STROUDSBURG, PA (FHA|USDA|VA) | 31 | $6,585,000 | $212,419 | $4,376 | 2.92% |
Keene, NH (FHA|USDA|VA) | 15 | $6,225,000 | $415,000 | $4,016 | 2.87% |
Rutland, VT (FHA|USDA|VA) | 12 | $5,500,000 | $458,333 | $4,663 | 3.00% |
Concord, NH (FHA|USDA|VA) | 10 | $3,740,000 | $374,000 | $3,372 | 3.41% |
Hudson, NY (FHA|USDA|VA) | 3 | $2,855,000 | $951,667 | $8,855 | 2.71% |
Auburn, NY (FHA|USDA|VA) | 17 | $2,535,000 | $149,118 | $2,887 | 2.68% |
Lebanon, NH-VT (FHA|USDA|VA) | 5 | $2,205,000 | $441,000 | $4,060 | 3.34% |
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $0 | 3.62% |
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $4,431 | 2.77% |
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $5,988 | 2.69% |
READING, PA (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $9,867 | 2.88% |
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $0 | 4.10% |
ROCHESTER, NY (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,485 | 2.69% |
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,603 | 2.38% |
WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,366 | 3.34% |
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 3.50% |
KINGSTON, NY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,750 | 2.87% |
LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.42% |
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,784 | 3.00% |
SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,065 | 2.50% |
Barre, VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.00% |
Bennington, VT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,643 | 3.25% |
Sayre, PA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,888 | 3.75% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.99% |
ELMIRA, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,536 | 3.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against NBT Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 30
Similarity Rank: 57
Similarity Rank: 63
Similarity Rank: 90
Similarity Rank: 102
Similarity Rank: 117
Similarity Rank: 141
Similarity Rank: 159
Similarity Rank: 192
Similarity Rank: 192
Product Mix
For 2021, Nbt Bank's most frequently originated type of loan was Conventional, with 1,749 originations. Their 2nd most popular type was HELOC, with 682 originations.
Loan Reason
For 2021, Nbt Bank's most frequently cited loan purpose was Home Purchase, with 1,063 originations. The 2nd most popular reason was Refi, with 568 originations.
Loan Duration/Length
For 2021, Nbt Bank's most frequently cited loan duration was 30 Year, with 906 originations. The 2nd most popular length was Other, with 775 originations.
Origination Fees/Closing Costs
Nbt Bank's average total fees were $3,872, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 689 originations.
Interest Rates
During 2021, Nbt Bank's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,545 originations.
Loan Sizing
2021 saw Nbt Bank place emphasis on $100k-200k loans with 897 originations, totaling $127,105,000 in origination value.
Applicant Income
Nbt Bank lent most frequently to those with incomes in the $50k-75k range, with 509 originations. The second most popular income band? $100k-150k, with 472 originations.
Applicant Debt to Income Ratio
Nbt Bank lent most frequently to those with DTI ratios of 20-30%, with 582 originations. The next most common DTI ratio? 30-36%, with 469 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.91%
Nbt Bank has a below average approval rate.
Pick Rate
Approvals leading to origination80.26%
Nbt Bank has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 2,498 | $704,360,000 | $281,970 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
NBT BANCORP INC. | Conventional home mortgage | Closing on a mortgage | 2 | 66.7% |
NBT BANCORP INC. | Conventional home mortgage | Incorrect information on your report | 1 | 33.3% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
Nbt Bank, National Association | 1 Kirkland Ave. Clinton, NY 13323 | Full Service B&M | $123,490 |
Nbt Bank, National Association | 1 Madison Street Hamilton, NY 13346 | Full Service B&M | $131,075 |
Nbt Bank, National Association | 1 Taft Cornes Shopping Center Williston, VT 5495 | Full Service B&M | $52,529 |
Nbt Bank, National Association | 1 West Street Edmeston, NY 13335 | Full Service B&M | $68,904 |
Nbt Bank, National Association | 10 North Canal Street Oxford, NY 13830 | Full Service B&M | $56,166 |
Nbt Bank, National Association | 1001 James Street Syracuse, NY 13203 | Full Service B&M | $76,547 |
Nbt Bank, National Association | 1008 Main Street Newfoundland, PA 18445 | Full Service B&M | $34,836 |
Nbt Bank, National Association | 105 Main Street Suite 1 Sharon Springs, NY 13459 | Full Service B&M | $37,103 |
Nbt Bank, National Association | 106 Hannford Plaza Amsterdam, NY 12010 | Full Service B&M | $113,624 |
Nbt Bank, National Association | 1079 Pennsylvania 390 Mountainhome, PA 18342 | Full Service B&M | $45,947 |
Nbt Bank, National Association | 108 Second Street Deposit, NY 13754 | Full Service B&M | $52,591 |
Nbt Bank, National Association | 1091 Groton Avenue Extension Cortland, NY 13045 | Full Service B&M | $77,624 |
Nbt Bank, National Association | 11 East Main Street Hancock, NY 13783 | Full Service B&M | $54,829 |
Nbt Bank, National Association | 110 Main Street South Glens Falls, NY 12803 | Full Service B&M | $28,015 |
Nbt Bank, National Association | 1310 North Street Endicott, NY 13760 | Full Service B&M | $55,096 |
Nbt Bank, National Association | 114 Village Center Drive Lords Valley, PA 18428 | Full Service B&M | $42,840 |
Nbt Bank, National Association | 1148 Erie Boulevard West Rome, NY 13440 | Full Service B&M | $76,235 |
Nbt Bank, National Association | 117 State Hwy 320 Norwich, NY 13815 | Full Service B&M | $21,593 |
Nbt Bank, National Association | 118 North Main Street Concord, NH 3301 | Full Service B&M | $1,165 |
Nbt Bank, National Association | 1187 Mount Cobb Road Mount Cobb, PA 18436 | Full Service B&M | $33,179 |
Nbt Bank, National Association | 12 Fremont Street Gloversville, NY 12078 | Full Service B&M | $89,235 |
Nbt Bank, National Association | 120 Madison Street, Mony Tower Ii, 18th Floor Syracuse, NY 13202 | Limited, Administrative | $0 |
Nbt Bank, National Association | 1230 O'neill Highway Dunmore, PA 18512 | Full Service Retail | $36,032 |
Nbt Bank, National Association | 1256 Front Street Binghamton, NY 13901 | Full Service B&M | $77,798 |
Nbt Bank, National Association | 126 North Salina Street Syracuse, NY 13202 | Full Service B&M | $84,098 |
Nbt Bank, National Association | 13 Division Street Sidney, NY 13838 | Full Service B&M | $78,411 |
Nbt Bank, National Association | 130 North Keyser Avenue Scranton, PA 18504 | Full Service B&M | $80,774 |
Nbt Bank, National Association | 131 Oriskany Boulevard Whitesboro, NY 13492 | Full Service B&M | $77,173 |
Nbt Bank, National Association | 14-18 East Main Street Marathon, NY 13803 | Full Service B&M | $47,546 |
Nbt Bank, National Association | 140 Brooklyn Street Carbondale, PA 18407 | Full Service B&M | $82,072 |
Nbt Bank, National Association | 142 North Comrie Avenue Johnstown, NY 12095 | Full Service B&M | $203,469 |
Nbt Bank, National Association | 1456 Lake Ariel Hwy Lake Ariel, PA 18436 | Full Service B&M | $46,524 |
Nbt Bank, National Association | 147 Maple Avenue Hobart, NY 13788 | Full Service B&M | $62,263 |
Nbt Bank, National Association | 150 Bank Street Burlington, VT 5401 | Full Service B&M | $104,605 |
Nbt Bank, National Association | 156 Robison Street Binghamton, NY 13904 | Full Service B&M | $116,093 |
Nbt Bank, National Association | 1572 State Highway 26 South Otselic, NY 13155 | Full Service B&M | $17,496 |
Nbt Bank, National Association | 16 Main Street Cherry Valley, NY 13320 | Full Service B&M | $39,028 |
Nbt Bank, National Association | 16 West Main Street St. Johnsville, NY 13452 | Full Service B&M | $51,804 |
Nbt Bank, National Association | 160 Main Street Oneida, NY 13421 | Full Service B&M | $75,785 |
Nbt Bank, National Association | 161 State Route 104 Oswego, NY 13126 | Full Service B&M | $30,138 |
Nbt Bank, National Association | 171 North Wilkes Barre Boulevard Wilkes Barre, PA 18702 | Full Service B&M | $55,905 |
Nbt Bank, National Association | 182 Main Street Afton, NY 13730 | Full Service B&M | $61,617 |
Nbt Bank, National Association | 185 Margaret Street Plattsburgh, NY 12901 | Full Service B&M | $37,023 |
Nbt Bank, National Association | 194 Main Street Richfield Springs, NY 13439 | Full Service B&M | $78,009 |
Nbt Bank, National Association | 1944 Saranac Avenue Lake Placid, NY 12946 | Full Service B&M | $96,847 |
Nbt Bank, National Association | 199 Second Avenue Extension Gloversville, NY 12078 | Full Service B&M | $128,355 |
Nbt Bank, National Association | 2 Commons Drive Cooperstown, NY 13326 | Full Service B&M | $41,888 |
Nbt Bank, National Association | 2 Commonwealth Avenue Essex Junction, VT 5452 | Full Service B&M | $39,401 |
Nbt Bank, National Association | 2 North Main Street Newark Valley, NY 13811 | Full Service B&M | $44,948 |
Nbt Bank, National Association | 2 South Main Street Earlville, NY 13332 | Full Service B&M | $29,333 |
Nbt Bank, National Association | 2 South Main Street New Berlin, NY 13411 | Full Service B&M | $47,895 |
Nbt Bank, National Association | 20 Mohawk Street Canajoharie, NY 13317 | Full Service B&M | $77,013 |
Nbt Bank, National Association | 207 State Route 435 Elmhurst Township, PA 18444 | Full Service B&M | $49,796 |
Nbt Bank, National Association | 209 Lake Flower Avenue Saranac Lake, NY 12983 | Full Service B&M | $111,066 |
Nbt Bank, National Association | 210 West Street Keene, NH 3431 | Full Service B&M | $69,166 |
Nbt Bank, National Association | 214 West Harford Street, Unit 1 Milford, PA 18337 | Full Service B&M | $66,950 |
Nbt Bank, National Association | 221 Main Street Nashua, NH 3060 | Full Service B&M | $35,987 |
Nbt Bank, National Association | 225 Guideboard Road Halfmoon, NY 12065 | Full Service B&M | $106,328 |
Nbt Bank, National Association | 242 Quaker Road Queensbury, NY 12804 | Full Service B&M | $54,567 |
Nbt Bank, National Association | 2483 Main Street Lake Placid, NY 12946 | Full Service B&M | $99,195 |
Nbt Bank, National Association | 264 Main Street Massena, NY 13662 | Full Service B&M | $79,251 |
Nbt Bank, National Association | 2670 Main Street Glastonbury, CT 6033 | Full Service B&M | $1,084 |
Nbt Bank, National Association | 270 Genesee Street Utica, NY 13502 | Full Service B&M | $91,156 |
Nbt Bank, National Association | 271 Main Street Schoharie, NY 12157 | Full Service B&M | $71,392 |
Nbt Bank, National Association | 2743 Route 26 Cincinnatus, NY 13040 | Full Service B&M | $30,506 |
Nbt Bank, National Association | 2800 Ford Street Extension Ogdensburg, NY 13669 | Full Service B&M | $30,369 |
Nbt Bank, National Association | 29 Quaker Lake Road Friendsville, PA 18818 | Full Service B&M | $31,185 |
Nbt Bank, National Association | 295 Broadway Saratoga Springs, NY 12866 | Full Service B&M | $124,670 |
Nbt Bank, National Association | 2950 Us Highway 11 Whitney Point, NY 13862 | Full Service B&M | $66,528 |
Nbt Bank, National Association | 3 Kennedy Drive Archbald, PA 18403 | Full Service B&M | $71,139 |
Nbt Bank, National Association | 30 North Main Street Sherburne, NY 13460 | Full Service B&M | $84,125 |
Nbt Bank, National Association | 30 West Utica Street Oswego, NY 13126 | Full Service B&M | $75,954 |
Nbt Bank, National Association | 305 Main Street Suite 2 Middleburg, NY 12122 | Full Service B&M | $66,318 |
Nbt Bank, National Association | 312 Bridge Street Northville, NY 12134 | Full Service B&M | $104,922 |
Nbt Bank, National Association | 3121 Vestal Parkway East Vestal, NY 13851 | Full Service B&M | $183,523 |
Nbt Bank, National Association | 318 East Grove Street Clarks Green, PA 18411 | Full Service B&M | $83,623 |
Nbt Bank, National Association | 331 Main Street Johnson City, NY 13790 | Full Service B&M | $24,090 |
Nbt Bank, National Association | 331 State Road North Adams, MA 1247 | Full Service B&M | $18,066 |
Nbt Bank, National Association | 3392 State Route 11 Malone, NY 12953 | Full Service B&M | $39,993 |
Nbt Bank, National Association | 34 West Main Street Fonda, NY 12068 | Full Service B&M | $80,865 |
Nbt Bank, National Association | 36 Public Avenue Montrose, PA 18801 | Full Service B&M | $68,107 |
Nbt Bank, National Association | 3711 State Highway 30 Broadalbin, NY 12025 | Full Service B&M | $72,227 |
Nbt Bank, National Association | 38-40 Utica Street Hamilton, NY 13346 | Limited, Drive-thru | $0 |
Nbt Bank, National Association | 399 East Albany Street Herkimer, NY 13350 | Full Service B&M | $69,360 |
Nbt Bank, National Association | 41 Canal Street Fort Plain, NY 13339 | Full Service B&M | $59,135 |
Nbt Bank, National Association | 425 Columbia Turnpike Rensselaer, NY 12144 | Full Service B&M | $20,396 |
Nbt Bank, National Association | 433 South Main Street West Hartford, CT 6110 | Full Service B&M | $5,804 |
Nbt Bank, National Association | 433 State Street Schenectady, NY 12305 | Full Service B&M | $206,965 |
Nbt Bank, National Association | 455 Market Street Kingston, PA 18704 | Full Service B&M | $39,628 |
Nbt Bank, National Association | 482 Route 3 Plattsburgh, NY 12901 | Full Service B&M | $99,626 |
Nbt Bank, National Association | 49 State Route 296 Windham, NY 12496 | Full Service B&M | $42,499 |
Nbt Bank, National Association | 4957 Western Turnpike Duanesburg, NY 12056 | Full Service B&M | $90,000 |
Nbt Bank, National Association | 5 New Karner Road Guilderland, NY 12084 | Full Service B&M | $37,806 |
Nbt Bank, National Association | 5 Park Place Canton, NY 13617 | Full Service B&M | $52,379 |
Nbt Bank, National Association | 5 Widgery Wharf, 3rd Floor Portland, ME 4101 | Full Service B&M | $36,295 |
Nbt Bank, National Association | 5009 Windsor Dr Bartonsville, PA 18321 | Full Service B&M | $37,597 |
Nbt Bank, National Association | 52 South Broad Street Norwich, NY 13815 | Full Service B&M | $784,565 |
Nbt Bank, National Association | 5390 West Genesee Street Camillus, NY 13031 | Full Service B&M | $65,133 |
Nbt Bank, National Association | 54 North Street, Suite 101 Pittsfield, MA 1201 | Full Service B&M | $16,941 |
Nbt Bank, National Association | 54 State Street Albany, NY 12207 | Full Service B&M | $88,204 |
Nbt Bank, National Association | 5582 State Hwy 7, Eastside Town Of Oneonta, NY 13820 | Full Service B&M | $39,127 |
Nbt Bank, National Association | 5632 State Hwy 12 Norwich, NY 13815 | Full Service B&M | $9,015 |
Nbt Bank, National Association | 575 Easton Turnpike Hamlin, PA 18427 | Full Service B&M | $83,180 |
Nbt Bank, National Association | 5789 Route 80 Tully, NY 13159 | Full Service B&M | $96,697 |
Nbt Bank, National Association | 5910 Pa-92 Kingsley, PA 18826 | Full Service B&M | $49,333 |
Nbt Bank, National Association | 609 Merrill Road Pittsfield, MA 1201 | Full Service B&M | $30,288 |
Nbt Bank, National Association | 62 Pioneer Street Cooperstown, NY 13326 | Full Service B&M | $51,856 |
Nbt Bank, National Association | 65 Main Street Cortland, NY 13045 | Full Service B&M | $173,963 |
Nbt Bank, National Association | 6554 State Highway 56 Potsdam, NY 13676 | Full Service B&M | $52,322 |
Nbt Bank, National Association | 6563 Weighlock Drive De Witt, NY 13214 | Full Service B&M | $64,178 |
Nbt Bank, National Association | 685 Scranton/Carbondale Hwy Eynon, PA 18403 | Full Service B&M | $41,676 |
Nbt Bank, National Association | 691 East Main Street Cobleskill, NY 12043 | Full Service B&M | $97,320 |
Nbt Bank, National Association | 6930 East Genesee Street Fayetteville, NY 13066 | Full Service B&M | $66,982 |
Nbt Bank, National Association | 700 Main Street Great Barrington, MA 1230 | Full Service B&M | $48,744 |
Nbt Bank, National Association | 700 North Main Street North Syracuse, NY 13212 | Full Service B&M | $43,743 |
Nbt Bank, National Association | 703 Troy-Schenectady Road Latham, NY 12110 | Full Service B&M | $119,708 |
Nbt Bank, National Association | 723 Main Street Margaretville, NY 12455 | Full Service B&M | $78,983 |
Nbt Bank, National Association | 733 State Hwy 28 Oneonta, NY 13820 | Full Service B&M | $68,203 |
Nbt Bank, National Association | 735 Utica St Deruyter, NY 13052 | Full Service B&M | $8,935 |
Nbt Bank, National Association | 736 Main Street Dickson City, PA 18519 | Full Service B&M | $54,266 |
Nbt Bank, National Association | 7577-79 Jefferson Street Pulaski, NY 13142 | Full Service B&M | $58,963 |
Nbt Bank, National Association | 76 Park Street Lee, MA 1238 | Full Service B&M | $43,266 |
Nbt Bank, National Association | 80 Canal Street Manchester, NH 3101 | Full Service B&M | $101,262 |
Nbt Bank, National Association | 80 South Chenango Street Greene, NY 13778 | Full Service B&M | $62,085 |
Nbt Bank, National Association | 80 Wolf Road Albany, NY 12205 | Full Service B&M | $108,342 |
Nbt Bank, National Association | 801 South Main Street Taylor, PA 18517 | Full Service B&M | $31,268 |
Nbt Bank, National Association | 8260 Willett Parkway Baldwinsville, NY 13027 | Full Service B&M | $70,866 |
Nbt Bank, National Association | 8270 Cazenovia Road Rte 92 Manlius, NY 13104 | Full Service B&M | $53,621 |
Nbt Bank, National Association | 841 Main Street New Milford, PA 18834 | Full Service B&M | $50,947 |
Nbt Bank, National Association | 853 Black River Boulevard Rome, NY 13440 | Full Service B&M | $100,498 |
Nbt Bank, National Association | 8549 Seneca Turnpike New Hartford, NY 13413 | Full Service B&M | $176,813 |
Nbt Bank, National Association | 86 Glen Street Glens Falls, NY 12801 | Full Service B&M | $45,952 |
Nbt Bank, National Association | 9 North Main Street Bainbridge, NY 13733 | Full Service B&M | $38,671 |
Nbt Bank, National Association | 9556 Main Street Brewerton, NY 13029 | Full Service B&M | $22,296 |
Nbt Bank, National Association | 99 Pa 940 Mount Pocono, PA 18344 | Full Service B&M | $24,603 |
Nbt Bank, National Association | One Wall Street Oneonta, NY 13820 | Full Service B&M | $100,438 |
Nbt Bank, National Association | Route 11 And Mountain View Plaza Great Bend, PA 18821 | Full Service B&M | $30,947 |
Nbt Bank, National Association | Route 3 West Fulton, NY 13069 | Full Service B&M | $22,045 |
Nbt Bank, National Association | Route 5 And Route 46 Oneida, NY 13421 | Full Service B&M | $71,856 |
Nbt Bank, National Association | Route 5 And Stroud Street Canastota, NY 13032 | Full Service B&M | $59,809 |
Nbt Bank, National Association | Routes 8 And 30 Speculator, NY 12164 | Full Service B&M | $47,385 |
Nbt Bank, National Association | Rte 23 & 30 Grand Gorge, NY 12434 | Full Service B&M | $52,655 |
For 2021, Nbt Bank had 142 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $339,875 |
Net interest income | $328,615 |
Total noninterest income | $108,829 |
Gross Fiduciary activities income | $21,311 |
Service charges on deposit accounts | $15,195 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $72,323 |
Pre-tax net operating income | $193,945 |
Securities gains (or losses, -) | $23 |
Income before extraordinary items | $149,933 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $149,933 |
Minority interest net income | $0 |
Net income | $149,933 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $149,914 |
Nbt Bank's gross interest income from loans was $339,875,000.
Nbt Bank's net interest income from loans was $328,615,000.
Nbt Bank's fee based income from loans was $15,195,000.
Nbt Bank's net income from loans was $149,933,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $11,260 |
Provision for credit losses | $-8,257 |
Total noninterest expense | $251,756 |
Salaries and employee benefits | $137,226 |
Premises and equipment expense | $40,150 |
Additional noninterest expense | $74,380 |
Applicable income taxes | $44,035 |
Net charge-offs | $9,743 |
Cash dividends | $112,900 |
Nbt Bank's interest expense for loans was $11,260,000.
Nbt Bank's payroll and benefits expense were $137,226,000.
Nbt Bank's property, plant and equipment expenses $40,150,000.
Loan Performance
Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
---|---|
All loans | 0.0% |
Real Estate loans | 0.0% |
Construction & Land Development loans | 0.0% |
Nonfarm, nonresidential loans | 0.0% |
Multifamily residential loans | 0.0% |
1-4 family residential loans | 0.0% |
HELOC loans | 0.0% |
All other family | 0.0% |
Commercial & industrial loans | 0.0% |
Personal loans | 0.0% |
Credit card loans | 0.0% |
Other individual loans | 0.0% |
Auto loans | 0.0% |
Other consumer loans | 0.0% |
Unsecured commercial real estate loans | 0.0% |
Deposits
Type | Value (in 000's) |
---|---|
Total deposits | $10,337,565 |
Deposits held in domestic offices | $10,337,565 |
Deposits by Individuals, partnerships, and corporations | $8,967,133 |
Deposits by U.S. Government | $1 |
Deposits by States and political subdivisions in the U.S. | $1,370,367 |
Deposits by Commercial banks and other depository institutions in U.S. | $64 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $1,019,066 |
Demand deposits | $799,619 |
Nontransaction accounts | $9,318,499 |
Money market deposit accounts (MMDAs) | $7,059,777 |
Other savings deposits (excluding MMDAs) | $1,757,249 |
Total time deposits | $501,474 |
Total time and savings deposits | $9,537,946 |
Noninterest-bearing deposits | $799,619 |
Interest-bearing deposits | $9,537,946 |
Retail deposits | $10,165,208 |
IRAs and Keogh plan accounts | $116,964 |
Brokered deposits | $100,015 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $11,919,970 |
Cash & Balances due from depository institutions | $1,266,284 |
Interest-bearing balances | $1,108,790 |
Total securities | $2,426,499 |
Federal funds sold & reverse repurchase | $0 |
Net loans and leases | $7,407,289 |
Loan and leases loss allowance | $92,000 |
Trading account assets | $0 |
Bank premises and fixed assets | $66,514 |
Other real estate owned | $167 |
Goodwill and other intangibles | $254,930 |
All other assets | $498,287 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $11,919,970 |
Total Liabilities | $10,603,837 |
Total deposits | $10,337,565 |
Interest-bearing deposits | $9,537,946 |
Deposits held in domestic offices | $10,337,565 |
% insured (estimated) | $60 |
Federal funds purchased and repurchase agreements | $97,795 |
Trading liabilities | $0 |
Other borrowed funds | $13,995 |
Subordinated debt | $0 |
All other liabilities | $154,482 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $7,407,289 |
Loan and leases loss allowance | $92,000 |
Total loans and leases (domestic) | $7,499,289 |
All real estate loans | $4,601,480 |
Real estate loans in domestic offices | $4,601,480 |
Construction and development loans | $200,543 |
Residential 1-4 family construction | $40,565 |
Other construction, all land development and other land | $159,978 |
Loans secured by nonfarm nonresidential properties | $1,651,801 |
Nonfarm nonresidential secured by owner-occupied properties | $552,026 |
Commercial real estate & other non-farm, non-residential | $1,099,775 |
Multifamily residential real estate | $690,278 |
1-4 family residential loans | $1,995,928 |
Farmland loans | $62,930 |
Loans held in foreign offices | $0 |
Farm loans | $47,750 |
Commercial and industrial loans | $1,167,078 |
To non-U.S. addressees | $0 |
Loans to individuals | $1,665,917 |
Credit card loans | $0 |
Related Plans | $19,375 |
Consumer Auto Loans | $826,508 |
Other loans to individuals | $820,034 |
All other loans & leases | $17,065 |
Loans to foreign governments and official institutions | $0 |
Other loans | $7,660 |
Loans to depository institutions and acceptances of other banks | $0 |
Loans not secured by real estate | $7,681 |
Loans secured by real estate to non-U.S. addressees | $624 |
Restructured Loans & leases | $12,575 |
Non 1-4 family restructured loans & leases | $1,724 |
Total loans and leases (foreign) | $0 |
NBT Bank had $7,407,289,000 of loans outstanding in 2021. $4,601,480,000 of loans were in real estate loans. $200,543,000 of loans were in development loans. $690,278,000 of loans were in multifamily mortgage loans. $1,995,928,000 of loans were in 1-4 family mortgage loans. $47,750,000 of loans were in farm loans. $0 of loans were in credit card loans. $826,508,000 of loans were in the auto loan category.
Small Business Loans
Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
---|---|---|---|
Nonfarm, nonresidential loans - <$1MM | 1,482 | $305,796 | $206,340 |
Nonfarm, nonresidential loans - <$100k | 224 | $8,607 | $38,424 |
Nonfarm, nonresidential loans - $100-250k | 557 | $60,951 | $109,427 |
Nonfarm, nonresidential loans - $250k-1MM | 701 | $236,238 | $337,001 |
Commercial & Industrial, US addressed loans - <$1MM | 5,182 | $363,694 | $70,184 |
Commercial & Industrial, US addressed loans - <$100k | 3,764 | $76,627 | $20,358 |
Commercial & Industrial, US addressed loans - $100-250k | 679 | $64,845 | $95,501 |
Commercial & Industrial, US addressed loans - $250k-1MM | 739 | $222,222 | $300,706 |
Farmland loans - <$1MM | 172 | $14,757 | $85,797 |
Farmland loans - <$100k | 40 | $1,160 | $29,000 |
Farmland loans - $100-250k | 88 | $7,178 | $81,568 |
Farmland loans - $250k-1MM | 44 | $6,419 | $145,886 |
Agriculture operations loans - <$1MM | 444 | $17,746 | $39,968 |
Agriculture operations loans - <$100k | 313 | $6,367 | $20,342 |
Agriculture operations loans - $100-250k | 88 | $6,205 | $70,511 |
Agriculture operations loans - $250k-1MM | 43 | $5,174 | $120,326 |