Nbt Bank Mortgage Rates, Fees & Info

Norwich, NY

LEI: 5493009BOQDC6PCFR785

Tax ID: 15-0395735

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Nbt Bank is a smaller bank specializing in Home Purchase and Refi 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: Albany, Syracuse, Utica, Burlington, and Scranton among others. We have data for 54 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% 12/3/24
    30 Year Conventional Purchase 6.18% 12/3/24
    30 Year Conventional Refi 6.15% 12/3/24
    30 Year Cash-out Refi 6.22% 12/3/24
    30 Year FHA Purchase 7.21% 12/3/24
    30 Year USDA Purchase 6.59% 12/3/24
    15 Year Conventional Purchase 5.71% 12/3/24
    15 Year Conventional Refi 5.76% 12/3/24
    15 Year Cash-out Refi 5.76% 12/3/24
    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

    3,040

    Origination Dollar Volume (All Markets)

    $473,210,000

    Employee count

    1,534 Show all (19) awards

    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
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 245 $69,955,000 $285,531 $4,500 2.51%
    Outside of Metro Areas 515 $58,115,000 $112,845 $3,721 2.61%
    SYRACUSE, NY (FHA|USDA|VA) 455 $53,705,000 $118,033 $3,682 2.48%
    UTICA-ROME, NY (FHA|USDA|VA) 296 $35,150,000 $118,750 $3,705 2.70%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 65 $27,695,000 $426,077 $4,567 4.12%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 297 $27,615,000 $92,980 $3,613 2.49%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 44 $26,270,000 $597,045 $4,102 3.77%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 57 $23,005,000 $403,596 $2,873 4.25%
    GLENS FALLS, NY (FHA|USDA|VA) 88 $17,300,000 $196,591 $3,810 3.21%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 8 $16,410,000 $2,051,250 $2,975 4.45%
    BINGHAMTON, NY (FHA|USDA|VA) 132 $13,370,000 $101,288 $3,192 3.03%
    Cortland, NY (FHA|USDA|VA) 115 $12,725,000 $110,652 $3,561 3.23%
    Oneonta, NY (FHA|USDA|VA) 115 $12,655,000 $110,043 $3,811 2.22%
    Gloversville, NY (FHA|USDA|VA) 113 $9,865,000 $87,301 $3,502 2.14%
    PITTSFIELD, MA (FHA|USDA|VA) 40 $8,890,000 $222,250 $3,603 3.58%
    Plattsburgh, NY (FHA|USDA|VA) 59 $8,635,000 $146,356 $3,589 2.94%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 84 $8,090,000 $96,310 $3,218 2.54%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 40 $5,740,000 $143,500 $4,627 2.70%
    Amsterdam, NY (FHA|USDA|VA) 60 $5,230,000 $87,167 $3,413 2.85%
    Malone, NY (FHA|USDA|VA) 39 $3,645,000 $93,462 $3,297 2.58%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $3,215,000 $3,215,000 $0 3.95%
    Rutland, VT (FHA|USDA|VA) 22 $2,890,000 $131,364 $3,330 3.78%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 35 $2,725,000 $77,857 $3,481 2.17%
    Auburn, NY (FHA|USDA|VA) 17 $2,605,000 $153,235 $4,404 2.69%
    Lebanon, NH-VT (FHA|USDA|VA) 3 $2,275,000 $758,333 $3,438 4.29%
    ITHACA, NY (FHA|USDA|VA) 9 $1,685,000 $187,222 $4,214 4.06%
    Keene, NH (FHA|USDA|VA) 10 $1,590,000 $159,000 $2,886 2.92%
    Laconia, NH (FHA|USDA|VA) 4 $1,570,000 $392,500 $3,890 2.69%
    Concord, NH (FHA|USDA|VA) 6 $1,510,000 $251,667 $2,661 3.67%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 6 $980,000 $163,333 $3,439 2.87%
    ROCHESTER, NY (FHA|USDA|VA) 13 $855,000 $65,769 $3,675 6.30%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $820,000 $410,000 $3,071 3.81%
    Barre, VT (FHA|USDA|VA) 1 $755,000 $755,000 $4,138 4.00%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $750,000 $375,000 $4,285 4.57%
    KINGSTON, NY (FHA|USDA|VA) 6 $660,000 $110,000 $6,081 3.30%
    Berlin, NH (FHA|USDA|VA) 1 $625,000 $625,000 $3,364 3.88%
    Hudson, NY (FHA|USDA|VA) 6 $530,000 $88,333 $3,871 4.68%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $465,000 $465,000 $3,641 3.63%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $380,000 $47,500 $0 5.71%
    Seneca Falls, NY (FHA|USDA|VA) 1 $315,000 $315,000 $6,101 3.75%
    BANGOR, ME (FHA|USDA|VA) 1 $305,000 $305,000 $2,777 3.50%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.99%
    Batavia, NY (FHA|USDA|VA) 3 $205,000 $68,333 $0 3.74%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
    Sayre, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,053 3.00%
    READING, PA (FHA|USDA|VA) 2 $150,000 $75,000 $0 6.37%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.12%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $105,000 $105,000 $2,995 4.50%
    ELMIRA, NY (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.99%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $90,000 $45,000 $0 6.12%
    LEBANON, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.74%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.50%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.99%
    LANCASTER, PA (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.99%
    Nbt Bank's top markets include Albany, Syracuse, Utica, Burlington, and Scranton among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Vermont (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)

    • 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.

    Adams Community Bank
    Similarity Rank: 36
    GREYLOCK
    Similarity Rank: 42
    SECNY Federal Credit Union
    Similarity Rank: 44
    USNY Bank
    Similarity Rank: 54
    N C P D Federal Credit Union
    Similarity Rank: 55
    Geddes Federal Savings and Loan Association
    Similarity Rank: 60
    Bogota Savings Bank
    Similarity Rank: 63
    Union County Savings Bank
    Similarity Rank: 66
    Fairport Savings Bank
    Similarity Rank: 72
    GARDEN SAVINGS FEDERAL CREDIT UNION
    Similarity Rank: 80

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,495 $347,965,000 $232,753 $3,644 4.47%
    HELOC 1,476 $117,430,000 $79,560 n/a 0.98%
    FHA 50 $5,970,000 $119,400 $5,187 4.59%
    USDA 19 $1,845,000 $97,105 $4,198 4.78%

    For 2018, Nbt Bank's most frequently originated type of loan was Conventional, with 1,495 originations. Their 2nd most popular type was HELOC, with 1,476 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,298 $275,580,000 $212,311 $3,784 4.31%
    Refi 762 $118,610,000 $155,656 $3,069 1.63%
    Home Improvement 527 $33,925,000 $64,374 $3,435 1.17%
    Other 307 $22,595,000 $73,599 $3,080 1.25%
    Cash Out Refi 146 $22,500,000 $154,110 $3,719 4.20%

    For 2018, Nbt Bank's most frequently cited loan purpose was Home Purchase, with 1,298 originations. The 2nd most popular reason was Refi, with 762 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,640 $137,940,000 $84,110 $3,399 1.40%
    30 Year 888 $149,440,000 $168,288 $3,643 4.35%
    15 Year 244 $34,310,000 $140,615 $2,989 4.23%
    30+ year 114 $36,810,000 $322,895 $5,588 4.47%
    10 Year 86 $63,040,000 $733,023 $3,029 4.81%
    Other 52 $45,530,000 $875,577 $5,026 4.71%
    5 Year 11 $2,465,000 $224,091 $0 5.34%
    1 Year 4 $3,630,000 $907,500 $0 5.58%
    3 Year 1 $45,000 $45,000 $0 7.75%

    For 2018, Nbt Bank's most frequently cited loan duration was 20 Year, with 1,640 originations. The 2nd most popular length was 30 Year, with 888 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 658 $111,050,000 $168,769
    $1k-2k 454 $73,660,000 $162,247
    $2k-3k 126 $26,500,000 $210,317
    $3k-4k 33 $9,235,000 $279,848
    $5k+ 15 $9,885,000 $659,000
    $4k-5k 14 $3,780,000 $270,000

    Nbt Bank's average total fees were $3,643, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 658 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 1,437 $112,715,000 $78,438
    4-5% 946 $181,400,000 $191,755
    3-4% 396 $123,750,000 $312,500
    5-6% 172 $39,830,000 $231,570
    6-7% 48 $4,580,000 $95,417
    2.5-3% 23 $9,935,000 $431,957
    7-8% 16 $960,000 $60,000
    Over 8% 2 $40,000 $20,000

    During 2018, Nbt Bank's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was <2.5%, with 1,437 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,611 $86,885,000 $53,932 $2,966 2.20%
    $100k-200k 858 $117,480,000 $136,923 $3,609 3.17%
    $200k-400k 427 $113,855,000 $266,639 $4,407 3.74%
    $400k-600k 80 $37,630,000 $470,375 $4,950 3.85%
    $600k-1MM 36 $25,670,000 $713,056 $4,734 4.34%
    $1MM+ 28 $91,690,000 $3,274,643 $12,543 4.25%

    2018 saw Nbt Bank place emphasis on $100,000 or less loans with 1,611 originations, totaling $86,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 666 $61,760,000 $92,733 $3,550 2.74%
    $50k or less 624 $40,200,000 $64,423 $3,015 2.77%
    $100k-150k 533 $74,315,000 $139,428 $3,953 2.51%
    $75k-100k 502 $55,380,000 $110,319 $3,818 2.42%
    $150k-250k 300 $59,360,000 $197,867 $4,224 2.78%
    $250k+ 177 $59,705,000 $337,316 $4,668 2.78%

    Nbt Bank lent most frequently to those with incomes in the $50k-75k range, with 666 originations. The second most popular income band? $50k or less, with 624 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 688 $79,010,000 $114,840 $3,612 2.44%
    30-36% 559 $64,265,000 $114,964 $3,481 2.66%
    <20% 246 $31,800,000 $129,268 $3,629 2.16%
    42% 168 $15,950,000 $94,940 $3,556 2.00%
    41% 126 $12,670,000 $100,556 $3,653 2.42%
    40% 120 $13,350,000 $111,250 $3,810 2.74%
    36% 119 $16,525,000 $138,866 $3,760 2.81%
    39% 115 $12,105,000 $105,261 $3,684 2.87%
    37% 100 $12,440,000 $124,400 $3,811 2.77%
    38% 90 $10,660,000 $118,444 $4,186 2.61%
    43% 85 $12,105,000 $142,412 $3,759 3.14%
    44% 80 $11,950,000 $149,375 $3,872 3.27%
    49% 68 $11,200,000 $164,706 $4,010 2.82%
    50-60% 66 $7,910,000 $119,848 $3,830 2.73%
    45% 63 $12,205,000 $193,730 $4,370 3.24%
    46% 43 $6,175,000 $143,605 $3,427 3.12%
    47% 42 $10,250,000 $244,048 $4,268 3.70%
    48% 38 $6,400,000 $168,421 $3,873 3.45%
    >60% 29 $4,895,000 $168,793 $3,911 1.98%

    Nbt Bank lent most frequently to those with DTI ratios of 20-30%, with 688 originations. The next most common DTI ratio? 30-36%, with 559 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,517 $292,045,000 $116,029 $3,694 2.47%
    Not applicable 169 $114,275,000 $676,183 $0 5.14%
    Not provided 277 $49,765,000 $179,657 $3,704 3.97%
    Asian 44 $7,870,000 $178,864 $3,857 3.02%
    Asian Indian 9 $6,395,000 $710,556 $6,348 3.67%
    Black 15 $1,535,000 $102,333 $3,355 3.15%
    American Indian 6 $790,000 $131,667 $3,456 4.52%
    Chinese 2 $500,000 $250,000 $2,824 3.88%
    Filipino 1 $35,000 $35,000 $0 0.25%

    Approval Rates

    Total approvals of all applications
    70.83%

    Nbt Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.03%

    Nbt Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 58 $3,750,000 $64,655
    NA 2,982 $469,460,000 $157,431

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $660,000 $330,000
    Multifamily:Site-Built 81 $95,935,000 $1,184,383
    Single Family (1-4 Units):Manufactured 114 $7,990,000 $70,088
    Single Family (1-4 Units):Site-Built 2,843 $368,625,000 $129,661

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 578 $40,750,000 $70,502 $3,027 1.37%
    40-60% 443 $57,845,000 $130,576 $3,092 2.24%
    60-80% 874 $209,240,000 $239,405 $3,823 3.59%
    80-100% 758 $150,340,000 $198,338 $3,819 4.07%
    Over 100% 2 $280,000 $140,000 $3,754 3.44%
    Under 20% 383 $14,645,000 $38,238 $1,180 1.08%

    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 $91,303
    NBT Bank, National Association 1 Madison Street Hamilton, NY 13346 Full Service B&M $95,992
    NBT Bank, National Association 1 Taft Cornes Shopping Center Williston, VT 5495 Full Service B&M $20,762
    NBT Bank, National Association 1 West Street Edmeston, NY 13335 Full Service B&M $55,042
    NBT Bank, National Association 10 North Canal Street Oxford, NY 13830 Full Service B&M $36,291
    NBT Bank, National Association 100 Market Street Suite 201 Portsmouth, NH 3801 Full Service B&M $8,765
    NBT Bank, National Association 1001 James Street Syracuse, NY 13203 Full Service B&M $55,584
    NBT Bank, National Association 1008 Main Street Newfoundland, PA 18445 Full Service B&M $25,766
    NBT Bank, National Association 101 Marshall Street Syracuse, NY 13210 Full Service B&M $9,957
    NBT Bank, National Association 105 Main Street Suite 1 Sharon Springs, NY 13459 Full Service B&M $24,462
    NBT Bank, National Association 106 Hannford Plaza Amsterdam, NY 12010 Full Service B&M $64,308
    NBT Bank, National Association 107 Brown Street, Suite 100 East Stroudsburg, PA 18301 Full Service B&M $12,523
    NBT Bank, National Association 1079 Pennsylvania 390 Mountainhome, PA 18342 Full Service B&M $30,033
    NBT Bank, National Association 108 Second Street Deposit, NY 13754 Full Service B&M $42,240
    NBT Bank, National Association 1091 Groton Avenue Extension Cortland, NY 13045 Full Service B&M $52,404
    NBT Bank, National Association 11 East Main Street Hancock, NY 13783 Full Service B&M $44,067
    NBT Bank, National Association 110 Main Street South Glens Falls, NY 12803 Full Service B&M $44,907
    NBT Bank, National Association 114 Village Center Drive Lords Valley, PA 18428 Full Service B&M $30,799
    NBT Bank, National Association 1148 Erie Boulevard West Rome, NY 13440 Full Service B&M $70,629
    NBT Bank, National Association 11567 State Route 32 Greenville, NY 12083 Full Service B&M $14,433
    NBT Bank, National Association 117 Meadow Avenue Scranton, PA 18505 Full Service B&M $15,097
    NBT Bank, National Association 117 State Hwy 320 Norwich, NY 13815 Full Service B&M $14,561
    NBT Bank, National Association 1187 Mount Cobb Road Mount Cobb, PA 18436 Full Service B&M $23,468
    NBT Bank, National Association 12 Fremont Street Gloversville, NY 12078 Full Service B&M $77,184
    NBT Bank, National Association 12 North Main Street Middleville, NY 13406 Full Service B&M $29,896
    NBT Bank, National Association 120 Madison Street, Mony Tower Ii, 18th Floor Syracuse, NY 13202 Limited, Administrative $0
    NBT Bank, National Association 122 West Street, Suite 101 Rutland, VT 5701 Full Service B&M $4,813
    NBT Bank, National Association 1230 O'neill Highway Dunmore, PA 18512 Full Service Retail $22,262
    NBT Bank, National Association 1256 Front Street Binghamton, NY 13901 Full Service B&M $62,186
    NBT Bank, National Association 126 North Salina Street Syracuse, NY 13202 Full Service B&M $49,711
    NBT Bank, National Association 13 Division Street Sidney, NY 13838 Full Service B&M $63,466
    NBT Bank, National Association 130 North Keyser Avenue Scranton, PA 18504 Full Service B&M $28,873
    NBT Bank, National Association 131 Oriskany Boulevard Whitesboro, NY 13492 Full Service B&M $54,081
    NBT Bank, National Association 1310 North Street Endicott, NY 13760 Full Service B&M $44,451
    NBT Bank, National Association 14-18 East Main Street Marathon, NY 13803 Full Service B&M $36,453
    NBT Bank, National Association 140 Brooklyn Street Carbondale, PA 18407 Full Service B&M $63,475
    NBT Bank, National Association 142 North Comrie Avenue Johnstown, NY 12095 Full Service B&M $171,541
    NBT Bank, National Association 1456 Lake Ariel Hwy Lake Ariel, PA 18436 Full Service B&M $34,741
    NBT Bank, National Association 147 Maple Avenue Hobart, NY 13788 Full Service B&M $51,469
    NBT Bank, National Association 150 Bank Street Burlington, VT 5401 Full Service B&M $59,370
    NBT Bank, National Association 156 Robison Street Binghamton, NY 13904 Full Service B&M $58,633
    NBT Bank, National Association 1572 State Highway 26 South Otselic, NY 13155 Full Service B&M $14,901
    NBT Bank, National Association 16 Main Street Cherry Valley, NY 13320 Full Service B&M $27,879
    NBT Bank, National Association 16 West Main Street St. Johnsville, NY 13452 Full Service B&M $35,194
    NBT Bank, National Association 160 Main Street Oneida, NY 13421 Full Service B&M $65,348
    NBT Bank, National Association 161 State Route 104 Oswego, NY 13126 Full Service B&M $21,721
    NBT Bank, National Association 171 North Wilkes Barre Boulevard Wilkes Barre, PA 18702 Full Service B&M $28,355
    NBT Bank, National Association 182 Main Street Afton, NY 13730 Full Service B&M $49,034
    NBT Bank, National Association 183 North Memorial Hwy Shavertown, PA 18708 Full Service B&M $10,515
    NBT Bank, National Association 185 Margaret Street Plattsburgh, NY 12901 Full Service B&M $25,686
    NBT Bank, National Association 194 Main Street Richfield Springs, NY 13439 Full Service B&M $54,721
    NBT Bank, National Association 1944 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $55,945
    NBT Bank, National Association 199 Second Avenue Extension Gloversville, NY 12078 Full Service B&M $122,106
    NBT Bank, National Association 2 Commons Drive Cooperstown, NY 13326 Full Service B&M $36,417
    NBT Bank, National Association 2 Commonwealth Avenue Essex Junction, VT 5452 Full Service B&M $22,010
    NBT Bank, National Association 2 Holmes Road Lenox, MA 1240 Full Service B&M $7,130
    NBT Bank, National Association 2 North Main Street Newark Valley, NY 13811 Full Service B&M $35,521
    NBT Bank, National Association 2 South Main Street Earlville, NY 13332 Full Service B&M $25,263
    NBT Bank, National Association 2 South Main Street New Berlin, NY 13411 Full Service B&M $41,638
    NBT Bank, National Association 20 Mohawk Street Canajoharie, NY 13317 Full Service B&M $63,517
    NBT Bank, National Association 207 State Route 435 Elmhurst Township, PA 18444 Full Service B&M $31,105
    NBT Bank, National Association 209 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $85,258
    NBT Bank, National Association 214 West Harford Street, Unit 1 Milford, PA 18337 Full Service B&M $52,900
    NBT Bank, National Association 221 Main Street Nashua, NH 3060 Full Service B&M $19,459
    NBT Bank, National Association 225 Guideboard Road Halfmoon, NY 12065 Full Service B&M $38,188
    NBT Bank, National Association 242 Quaker Road Queensbury, NY 12804 Full Service B&M $36,922
    NBT Bank, National Association 2483 Main Street Lake Placid, NY 12946 Full Service B&M $67,491
    NBT Bank, National Association 254 Commercial Street Portland, ME 4101 Full Service B&M $17,176
    NBT Bank, National Association 264 Main Street Massena, NY 13662 Full Service B&M $56,302
    NBT Bank, National Association 270 Genesee Street Utica, NY 13502 Full Service B&M $74,041
    NBT Bank, National Association 271 Main Street Schoharie, NY 12157 Full Service B&M $58,666
    NBT Bank, National Association 2743 Route 26 Cincinnatus, NY 13040 Full Service B&M $21,752
    NBT Bank, National Association 2800 Ford Street Extension Ogdensburg, NY 13669 Full Service B&M $23,488
    NBT Bank, National Association 29 Quaker Lake Road Friendsville, PA 18818 Full Service B&M $23,809
    NBT Bank, National Association 295 Broadway Saratoga Springs, NY 12866 Full Service B&M $66,043
    NBT Bank, National Association 2950 Us Highway 11 Whitney Point, NY 13862 Full Service B&M $41,759
    NBT Bank, National Association 3 Kennedy Drive Archbald, PA 18403 Full Service B&M $58,677
    NBT Bank, National Association 30 North Main Street Sherburne, NY 13460 Full Service B&M $65,155
    NBT Bank, National Association 30 West Utica Street Oswego, NY 13126 Full Service B&M $60,820
    NBT Bank, National Association 300 Lackawanna Avenue Scranton, PA 18503 Full Service B&M $21,305
    NBT Bank, National Association 305 Main Street Suite 2 Middleburg, NY 12122 Full Service B&M $61,366
    NBT Bank, National Association 312 Bridge Street Northville, NY 12134 Full Service B&M $85,999
    NBT Bank, National Association 3121 Vestal Parkway East Vestal, NY 13851 Full Service B&M $119,304
    NBT Bank, National Association 318 East Grove Street Clarks Green, PA 18411 Full Service B&M $57,778
    NBT Bank, National Association 331 Main Street Johnson City, NY 13790 Full Service B&M $22,946
    NBT Bank, National Association 331 State Road North Adams, MA 1247 Full Service B&M $17,677
    NBT Bank, National Association 3392 State Route 11 Malone, NY 12953 Full Service B&M $34,042
    NBT Bank, National Association 34 West Main Street Fonda, NY 12068 Full Service B&M $62,545
    NBT Bank, National Association 36 Public Avenue Montrose, PA 18801 Full Service B&M $55,713
    NBT Bank, National Association 3711 State Highway 30 Broadalbin, NY 12025 Full Service B&M $50,821
    NBT Bank, National Association 38-40 Utica Street Hamilton, NY 13346 Limited, Drive-thru $0
    NBT Bank, National Association 391 West Street Keene, NH 3431 Full Service B&M $32,815
    NBT Bank, National Association 399 East Albany Street Herkimer, NY 13350 Full Service B&M $27,086
    NBT Bank, National Association 4 North Mountain Boulevard Mountain Top, PA 18707 Full Service B&M $14,957
    NBT Bank, National Association 41 Canal Street Fort Plain, NY 13339 Full Service B&M $40,506
    NBT Bank, National Association 425 Columbia Turnpike Rensselaer, NY 12144 Full Service B&M $27,233
    NBT Bank, National Association 433 State Street Schenectady, NY 12305 Full Service B&M $110,342
    NBT Bank, National Association 455 Market Street Kingston, PA 18704 Full Service B&M $43,350
    NBT Bank, National Association 482 Route 3 Plattsburgh, NY 12901 Full Service B&M $57,602
    NBT Bank, National Association 49 State Route 296 Windham, NY 12496 Full Service B&M $22,656
    NBT Bank, National Association 4957 Western Turnpike Duanesburg, NY 12056 Full Service B&M $67,382
    NBT Bank, National Association 5 New Karner Road Guilderland, NY 12084 Full Service B&M $31,143
    NBT Bank, National Association 5 Park Place Canton, NY 13617 Full Service B&M $44,833
    NBT Bank, National Association 5009 Windsor Dr Bartonsville, PA 18321 Full Service B&M $13,769
    NBT Bank, National Association 5084 Route 11 Ellenburg Depot, NY 12935 Full Service B&M $22,878
    NBT Bank, National Association 52 South Broad Street Norwich, NY 13815 Full Service B&M $507,605
    NBT Bank, National Association 53 West Main Street Norfolk, NY 13667 Full Service B&M $14,114
    NBT Bank, National Association 5390 West Genesee Street Camillus, NY 13031 Full Service B&M $35,951
    NBT Bank, National Association 54 North Street, Suite 101 Pittsfield, MA 1201 Full Service B&M $4,275
    NBT Bank, National Association 54 State Street Albany, NY 12207 Full Service B&M $52,796
    NBT Bank, National Association 5582 State Hwy 7, Eastside Town Of Oneonta, NY 13820 Full Service B&M $36,210
    NBT Bank, National Association 5632 State Hwy 12 Norwich, NY 13815 Full Service B&M $6,410
    NBT Bank, National Association 575 Easton Turnpike Hamlin, PA 18427 Full Service B&M $63,943
    NBT Bank, National Association 5789 Route 80 Tully, NY 13159 Full Service B&M $77,077
    NBT Bank, National Association 5910 Pa-92 Kingsley, PA 18826 Full Service B&M $35,097
    NBT Bank, National Association 609 Merrill Road Pittsfield, MA 1201 Full Service B&M $23,519
    NBT Bank, National Association 62 Pioneer Street Cooperstown, NY 13326 Full Service B&M $39,199
    NBT Bank, National Association 628 Sherrill Road Sherrill, NY 13461 Full Service B&M $37,858
    NBT Bank, National Association 65 Main Street Cortland, NY 13045 Full Service B&M $167,106
    NBT Bank, National Association 6554 State Highway 56 Potsdam, NY 13676 Full Service B&M $26,585
    NBT Bank, National Association 6563 Weighlock Drive De Witt, NY 13214 Full Service B&M $58,124
    NBT Bank, National Association 685 Scranton/Carbondale Hwy Eynon, PA 18403 Full Service B&M $32,374
    NBT Bank, National Association 691 East Main Street Cobleskill, NY 12043 Full Service B&M $74,645
    NBT Bank, National Association 6930 East Genesee Street Fayetteville, NY 13066 Full Service B&M $52,192
    NBT Bank, National Association 700 Main Street Great Barrington, MA 1230 Full Service B&M $36,070
    NBT Bank, National Association 700 North Main Street North Syracuse, NY 13212 Full Service B&M $32,344
    NBT Bank, National Association 703 Troy-Schenectady Road Latham, NY 12110 Full Service B&M $59,951
    NBT Bank, National Association 723 Main Street Margaretville, NY 12455 Full Service B&M $166,098
    NBT Bank, National Association 733 State Hwy 28 Oneonta, NY 13820 Full Service B&M $49,084
    NBT Bank, National Association 736 Main Street Dickson City, PA 18519 Full Service B&M $43,313
    NBT Bank, National Association 7577-79 Jefferson Street Pulaski, NY 13142 Full Service B&M $45,189
    NBT Bank, National Association 76 Park Street Lee, MA 1238 Full Service B&M $28,529
    NBT Bank, National Association 80 Canal Street Manchester, NH 3101 Full Service B&M $71,347
    NBT Bank, National Association 80 South Chenango Street Greene, NY 13778 Full Service B&M $45,855
    NBT Bank, National Association 80 Wolf Road Albany, NY 12205 Full Service B&M $121,619
    NBT Bank, National Association 801 South Main Street Taylor, PA 18517 Full Service B&M $19,091
    NBT Bank, National Association 819 Bernie Road (Route 13) Cortland, NY 13045 Full Service B&M $13,321
    NBT Bank, National Association 8260 Willett Parkway Baldwinsville, NY 13027 Full Service B&M $50,550
    NBT Bank, National Association 8270 Cazenovia Road Rte 92 Manlius, NY 13104 Full Service B&M $48,645
    NBT Bank, National Association 841 Main Street New Milford, PA 18834 Full Service B&M $40,966
    NBT Bank, National Association 853 Black River Boulevard Rome, NY 13440 Full Service B&M $53,031
    NBT Bank, National Association 8549 Seneca Turnpike New Hartford, NY 13413 Full Service B&M $117,428
    NBT Bank, National Association 86 Glen Street Glens Falls, NY 12801 Full Service B&M $41,597
    NBT Bank, National Association 9 Clifton Country Road Clifton Park, NY 12065 Full Service Retail $24,939
    NBT Bank, National Association 9 North Main Street Bainbridge, NY 13733 Full Service B&M $30,106
    NBT Bank, National Association 9556 Main Street Brewerton, NY 13029 Full Service B&M $17,007
    NBT Bank, National Association 99 Pa 940 Mount Pocono, PA 18344 Full Service B&M $17,144
    NBT Bank, National Association One Wall Street Oneonta, NY 13820 Full Service B&M $81,903
    NBT Bank, National Association Route 11 And Mountain View Plaza Great Bend, PA 18821 Full Service B&M $22,739
    NBT Bank, National Association Route 3 West Fulton, NY 13069 Full Service B&M $16,819
    NBT Bank, National Association Route 5 And Route 46 Oneida, NY 13421 Full Service B&M $19,985
    NBT Bank, National Association Route 5 And Stroud Street Canastota, NY 13032 Full Service B&M $50,653
    NBT Bank, National Association Routes 8 And 30 Speculator, NY 12164 Full Service B&M $45,801
    NBT Bank, National Association Rte 23 & 30 Grand Gorge, NY 12434 Full Service B&M $42,941

    For 2018, Nbt Bank had 154 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $344,118
    Net interest income $309,626
    Total noninterest income $96,206
    Gross Fiduciary activities income $19,524
    Service charges on deposit accounts $18,964
    Trading account gains and fees $0
    Additional Noninterest Income $57,718
    Pre-tax net operating income $140,633
    Securities gains (or losses, -) $-6,739
    Income before extraordinary items $109,634
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $109,634
    Minority interest net income $0
    Net income $109,634
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $115,159

    Nbt Bank's gross interest income from loans was $344,118,000.
    Nbt Bank's net interest income from loans was $309,626,000.
    Nbt Bank's fee based income from loans was $18,964,000.
    Nbt Bank's net income from loans was $109,634,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $34,492
    Provision for credit losses $28,828
    Total noninterest expense $236,371
    Salaries and employee benefits $124,815
    Premises and equipment expense $31,998
    Additional noninterest expense $79,558
    Applicable income taxes $24,260
    Net charge-offs $25,823
    Cash dividends $43,000

    Nbt Bank's interest expense for loans was $34,492,000.
    Nbt Bank's payroll and benefits expense were $124,815,000.
    Nbt Bank's property, plant and equipment expenses $31,998,000.

    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 $7,412,915
    Deposits held in domestic offices $7,412,915
    Deposits by Individuals, partnerships, and corporations $6,294,703
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $1,118,209
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $715,032
    Demand deposits $566,276
    Nontransaction accounts $6,697,883
    Money market deposit accounts (MMDAs) $4,533,153
    Other savings deposits (excluding MMDAs) $1,233,711
    Total time deposits $931,019
    Total time and savings deposits $6,846,639
    Noninterest-bearing deposits $566,276
    Interest-bearing deposits $6,846,639
    Retail deposits $6,967,358
    IRAs and Keogh plan accounts $127,232
    Brokered deposits $299,434
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,492,332
    Cash & Balances due from depository institutions $179,177
    Interest-bearing balances $4,008
    Total securities $1,786,927
    Federal funds sold & reverse repurchase $0
    Net loans and leases $6,822,147
    Loan and leases loss allowance $72,505
    Trading account assets $0
    Bank premises and fixed assets $67,904
    Other real estate owned $2,441
    Goodwill and other intangibles $257,988
    All other assets $375,748

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,492,332
    Total Liabilities $8,434,577
    Total deposits $7,412,915
    Interest-bearing deposits $6,846,639
    Deposits held in domestic offices $7,412,915
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $240,696
    Trading liabilities $0
    Other borrowed funds $704,685
    Subordinated debt $0
    All other liabilities $76,281

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $6,822,147
    Loan and leases loss allowance $72,505
    Total loans and leases (domestic) $6,894,652
    All real estate loans $4,067,639
    Real estate loans in domestic offices $4,067,639
    Construction and development loans $145,561
    Residential 1-4 family construction $36,944
    Other construction, all land development and other land $108,617
    Loans secured by nonfarm nonresidential properties $1,494,160
    Nonfarm nonresidential secured by owner-occupied properties $591,166
    Commercial real estate & other non-farm, non-residential $902,994
    Multifamily residential real estate $425,739
    1-4 family residential loans $1,944,778
    Farmland loans $57,401
    Loans held in foreign offices $0
    Farm loans $53,978
    Commercial and industrial loans $920,380
    To non-U.S. addressees $0
    Loans to individuals $1,821,916
    Credit card loans $0
    Related Plans $20,172
    Consumer Auto Loans $1,204,226
    Other loans to individuals $597,518
    All other loans & leases $30,772
    Loans to foreign governments and official institutions $0
    Other loans $24,969
    Loans to depository institutions and acceptances of other banks $4,000
    Loans not secured by real estate $9,870
    Loans secured by real estate to non-U.S. addressees $1,044
    Restructured Loans & leases $13,532
    Non 1-4 family restructured loans & leases $2,397
    Total loans and leases (foreign) $0

    NBT Bank had $6,822,147,000 of loans outstanding in 2018. $4,067,639,000 of loans were in real estate loans. $145,561,000 of loans were in development loans. $425,739,000 of loans were in multifamily mortgage loans. $1,944,778,000 of loans were in 1-4 family mortgage loans. $53,978,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,204,226,000 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 1,690 $333,763 $197,493
    Nonfarm, nonresidential loans - <$100k 312 $12,397 $39,734
    Nonfarm, nonresidential loans - $100-250k 621 $71,041 $114,398
    Nonfarm, nonresidential loans - $250k-1MM 757 $250,325 $330,680
    Commercial & Industrial, US addressed loans - <$1MM 3,860 $258,673 $67,014
    Commercial & Industrial, US addressed loans - <$100k 2,559 $49,350 $19,285
    Commercial & Industrial, US addressed loans - $100-250k 625 $53,227 $85,163
    Commercial & Industrial, US addressed loans - $250k-1MM 676 $156,096 $230,911
    Farmland loans - <$1MM 223 $22,781 $102,157
    Farmland loans - <$100k 58 $2,219 $38,259
    Farmland loans - $100-250k 94 $9,516 $101,234
    Farmland loans - $250k-1MM 71 $11,046 $155,577
    Agriculture operations loans - <$1MM 462 $21,942 $47,494
    Agriculture operations loans - <$100k 298 $6,353 $21,319
    Agriculture operations loans - $100-250k 99 $7,006 $70,768
    Agriculture operations loans - $250k-1MM 65 $8,583 $132,046