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™
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    • 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: Syracuse, Albany, Portland, Manchester, and Utica among others. We have data for 56 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% 11/21/24
    30 Year Conventional Purchase 6.18% 11/21/24
    30 Year Conventional Refi 6.15% 11/21/24
    30 Year Cash-out Refi 6.22% 11/21/24
    30 Year FHA Purchase 7.21% 11/21/24
    30 Year USDA Purchase 6.59% 11/21/24
    15 Year Conventional Purchase 5.71% 11/21/24
    15 Year Conventional Refi 5.76% 11/21/24
    15 Year Cash-out Refi 5.76% 11/21/24
    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

    2,908

    Origination Dollar Volume (All Markets)

    $563,640,000

    Employee count

    1,538 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
    SYRACUSE, NY (FHA|USDA|VA) 470 $77,340,000 $164,553 $3,616 2.69%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 215 $64,265,000 $298,907 $4,025 3.01%
    Outside of Metro Areas 487 $63,845,000 $131,099 $3,662 2.80%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 22 $44,290,000 $2,013,182 $5,641 4.44%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 69 $39,325,000 $569,928 $4,365 3.67%
    UTICA-ROME, NY (FHA|USDA|VA) 258 $36,080,000 $139,845 $3,691 3.04%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 38 $30,680,000 $807,368 $5,102 3.75%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 69 $28,735,000 $416,449 $4,202 3.47%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 234 $25,610,000 $109,444 $3,768 2.74%
    GLENS FALLS, NY (FHA|USDA|VA) 83 $19,955,000 $240,422 $4,194 3.26%
    Oneonta, NY (FHA|USDA|VA) 111 $13,995,000 $126,081 $3,733 2.66%
    Cortland, NY (FHA|USDA|VA) 122 $12,400,000 $101,639 $3,483 3.06%
    BINGHAMTON, NY (FHA|USDA|VA) 130 $11,740,000 $90,308 $3,174 2.80%
    Gloversville, NY (FHA|USDA|VA) 88 $10,250,000 $116,477 $3,461 2.31%
    WORCESTER, MA-CT (FHA|USDA|VA) 3 $9,595,000 $3,198,333 $0 4.64%
    Plattsburgh, NY (FHA|USDA|VA) 42 $8,110,000 $193,095 $3,966 3.36%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 54 $7,300,000 $135,185 $4,174 2.72%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 74 $6,540,000 $88,378 $3,498 2.87%
    Lebanon, NH-VT (FHA|USDA|VA) 9 $5,875,000 $652,778 $5,577 3.97%
    PITTSFIELD, MA (FHA|USDA|VA) 43 $5,795,000 $134,767 $3,347 3.35%
    Malone, NY (FHA|USDA|VA) 35 $5,675,000 $162,143 $3,897 2.89%
    Rutland, VT (FHA|USDA|VA) 27 $4,505,000 $166,852 $3,452 3.34%
    Amsterdam, NY (FHA|USDA|VA) 62 $4,110,000 $66,290 $3,215 2.35%
    Auburn, NY (FHA|USDA|VA) 19 $3,565,000 $187,632 $3,960 3.88%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 24 $3,020,000 $125,833 $3,882 2.43%
    Concord, NH (FHA|USDA|VA) 6 $2,780,000 $463,333 $3,083 4.44%
    ROCHESTER, NY (FHA|USDA|VA) 22 $2,130,000 $96,818 $3,402 5.48%
    Laconia, NH (FHA|USDA|VA) 8 $1,660,000 $207,500 $2,889 3.59%
    Keene, NH (FHA|USDA|VA) 10 $1,650,000 $165,000 $3,928 3.50%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $13,078 4.25%
    Hudson, NY (FHA|USDA|VA) 8 $1,400,000 $175,000 $7,073 5.68%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $1,390,000 $695,000 $0 4.91%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,676 4.59%
    ITHACA, NY (FHA|USDA|VA) 10 $1,060,000 $106,000 $3,274 4.07%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $820,000 $136,667 $3,980 5.12%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $805,000 $805,000 $0 5.20%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 5 $795,000 $159,000 $3,513 3.52%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 9 $795,000 $88,333 $7,321 6.12%
    KINGSTON, NY (FHA|USDA|VA) 2 $770,000 $385,000 $5,223 4.13%
    Bennington, VT (FHA|USDA|VA) 2 $520,000 $260,000 $4,316 4.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $355,000 $355,000 $4,146 3.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,085 3.00%
    ELMIRA, NY (FHA|USDA|VA) 3 $215,000 $71,667 $0 6.41%
    Seneca Falls, NY (FHA|USDA|VA) 2 $190,000 $95,000 $3,022 6.13%
    Barre, VT (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.99%
    LANCASTER, PA (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.87%
    LEBANON, PA (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.24%
    READING, PA (FHA|USDA|VA) 3 $95,000 $31,667 $0 6.82%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $90,000 $45,000 $0 5.99%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.49%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.24%
    Corning, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.24%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.49%
    Sayre, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.99%
    Batavia, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.99%
    Olean, NY (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.25%
    Nbt Bank's top markets include Syracuse, Albany, Portland, Manchester, and Utica among others.

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

    SECNY Federal Credit Union
    Similarity Rank: 32
    Bank of Richmondville
    Similarity Rank: 54
    NORTHERN CREDIT UNION
    Similarity Rank: 55
    N C P D Federal Credit Union
    Similarity Rank: 56
    Adirondack Bank
    Similarity Rank: 63
    Fairport Savings Bank
    Similarity Rank: 63
    Adams Community Bank
    Similarity Rank: 70
    NE PA COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 84
    Schuyler Savings Bank
    Similarity Rank: 104
    Geddes Federal Savings and Loan Association
    Similarity Rank: 108

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,614 $458,810,000 $284,269 $3,691 4.14%
    HELOC 1,216 $94,510,000 $77,722 n/a 1.41%
    FHA 56 $6,980,000 $124,643 $5,122 4.06%
    USDA 16 $2,050,000 $128,125 $4,752 4.03%
    VA 6 $1,290,000 $215,000 $6,016 3.88%

    For 2019, Nbt Bank's most frequently originated type of loan was Conventional, with 1,614 originations. Their 2nd most popular type was HELOC, with 1,216 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,331 $304,955,000 $229,117 $3,784 4.07%
    Refi 665 $159,145,000 $239,316 $3,190 2.05%
    Home Improvement 408 $29,640,000 $72,647 $3,119 1.52%
    Other 272 $19,760,000 $72,647 $3,722 1.50%
    Cash Out Refi 232 $50,140,000 $216,121 $3,977 3.84%

    For 2019, Nbt Bank's most frequently cited loan purpose was Home Purchase, with 1,331 originations. The 2nd most popular reason was Refi, with 665 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,387 $127,175,000 $91,691 $3,537 1.86%
    30 Year 985 $189,255,000 $192,137 $3,724 3.97%
    15 Year 259 $40,605,000 $156,776 $3,169 3.96%
    30+ year 114 $43,290,000 $379,737 $5,536 4.01%
    10 Year 94 $117,140,000 $1,246,170 $2,618 4.28%
    Other 62 $41,910,000 $675,968 $4,366 4.77%
    5 Year 7 $4,265,000 $609,286 $2,182 4.80%

    For 2019, Nbt Bank's most frequently cited loan duration was 20 Year, with 1,387 originations. The 2nd most popular length was 30 Year, with 985 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 689 $128,585,000 $186,626
    $1k-2k 509 $94,125,000 $184,921
    $2k-3k 143 $31,395,000 $219,545
    $3k-4k 38 $11,440,000 $301,053
    $4k-5k 20 $8,390,000 $419,500
    $5k+ 15 $11,515,000 $767,667

    Nbt Bank's average total fees were $3,724, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 689 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 915 $294,695,000 $322,071
    <2.5% 780 $60,330,000 $77,346
    4-5% 523 $126,455,000 $241,788
    2.5-3% 454 $41,620,000 $91,674
    5-6% 151 $34,535,000 $228,709
    6-7% 64 $4,900,000 $76,563
    7-8% 18 $990,000 $55,000
    Over 8% 3 $115,000 $38,333

    During 2019, Nbt Bank's average interest rate for loans was 3.97%, while their most frequently originated rate bucket for loans was 3-4%, with 915 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,411 $77,605,000 $55,000 $2,930 2.47%
    $100k-200k 827 $115,005,000 $139,063 $3,552 3.34%
    $200k-400k 473 $127,285,000 $269,101 $4,364 3.51%
    $400k-600k 91 $44,455,000 $488,516 $4,948 3.84%
    $600k-1MM 62 $47,160,000 $760,645 $5,410 4.12%
    $1MM+ 44 $152,130,000 $3,457,500 $10,531 4.21%

    2019 saw Nbt Bank place emphasis on $100,000 or less loans with 1,411 originations, totaling $77,605,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 629 $60,645,000 $96,415 $3,441 3.06%
    $50k or less 537 $35,615,000 $66,322 $2,970 3.00%
    $100k-150k 493 $76,815,000 $155,811 $4,131 2.78%
    $75k-100k 453 $54,535,000 $120,386 $3,837 2.71%
    $150k-250k 329 $64,795,000 $196,945 $4,304 2.66%
    $250k+ 214 $86,100,000 $402,336 $4,664 3.04%

    Nbt Bank lent most frequently to those with incomes in the $50k-75k range, with 629 originations. The second most popular income band? $50k or less, with 537 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 632 $79,940,000 $126,487 $3,627 2.77%
    30-36% 547 $84,545,000 $154,561 $3,856 2.91%
    <20% 246 $36,280,000 $147,480 $3,452 2.61%
    42% 198 $21,900,000 $110,606 $3,733 2.38%
    41% 133 $16,655,000 $125,226 $3,934 2.69%
    39% 109 $14,555,000 $133,532 $3,875 2.86%
    37% 102 $10,530,000 $103,235 $3,100 2.88%
    40% 102 $13,540,000 $132,745 $3,955 2.84%
    38% 101 $14,325,000 $141,832 $3,842 2.98%
    44% 96 $18,400,000 $191,667 $4,034 3.28%
    36% 96 $12,770,000 $133,021 $3,715 2.93%
    43% 78 $13,470,000 $172,692 $3,844 3.38%
    50-60% 55 $8,975,000 $163,182 $4,080 2.89%
    45% 50 $7,490,000 $149,800 $3,739 3.54%
    49% 48 $10,280,000 $214,167 $4,538 3.12%
    48% 40 $8,770,000 $219,250 $3,776 3.20%
    46% 38 $5,660,000 $148,947 $4,153 3.39%
    47% 31 $4,505,000 $145,323 $3,547 3.18%
    >60% 23 $3,815,000 $165,870 $3,693 3.04%

    Nbt Bank lent most frequently to those with DTI ratios of 20-30%, with 632 originations. The next most common DTI ratio? 30-36%, with 547 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,397 $310,285,000 $129,447 $3,725 2.76%
    Not applicable 168 $174,150,000 $1,036,607 $0 4.98%
    Not provided 265 $61,255,000 $231,151 $3,909 3.75%
    Asian 36 $10,280,000 $285,556 $4,994 3.12%
    Black 26 $4,080,000 $156,923 $2,675 3.35%
    Asian Indian 6 $1,990,000 $331,667 $4,122 2.60%
    American Indian 8 $1,020,000 $127,500 $3,623 3.62%
    Other Asian 2 $580,000 $290,000 $2,210 3.00%

    Approval Rates

    Total approvals of all applications
    74.31%

    Nbt Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.19%

    Nbt Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 96 $6,640,000 $69,167
    NA 2,812 $557,000,000 $198,080

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $5,240,000 $1,310,000
    Multifamily:Site-Built 103 $159,005,000 $1,543,738
    Single Family (1-4 Units):Manufactured 125 $8,025,000 $64,200
    Single Family (1-4 Units):Site-Built 2,676 $391,370,000 $146,252

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 511 $37,745,000 $73,865 $2,939 1.79%
    40-60% 406 $64,240,000 $158,227 $3,309 2.50%
    60-80% 854 $271,060,000 $317,400 $3,910 3.56%
    80-100% 806 $171,330,000 $212,568 $3,832 3.99%
    Over 100% 4 $5,200,000 $1,300,000 $6,036 4.06%
    Under 20% 327 $14,065,000 $43,012 $1,261 1.54%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    NBT Bank, National Association 182 Main Street Afton, NY 13730 Full Service B&M $52,081
    NBT Bank, National Association 29 Quaker Lake Road Friendsville, PA 18818 Full Service B&M $26,116
    NBT Bank, National Association 733 State Hwy 28 Oneonta, NY 13820 Full Service B&M $49,211
    NBT Bank, National Association 1148 Erie Boulevard West Rome, NY 13440 Full Service B&M $57,232
    NBT Bank, National Association 1 Kirkland Ave. Clinton, NY 13323 Full Service B&M $108,847
    NBT Bank, National Association 1 Madison Street Hamilton, NY 13346 Full Service B&M $97,415
    NBT Bank, National Association 1 Taft Cornes Shopping Center Williston, VT 5495 Full Service B&M $17,255
    NBT Bank, National Association 1 West Street Edmeston, NY 13335 Full Service B&M $54,200
    NBT Bank, National Association 10 North Canal Street Oxford, NY 13830 Full Service B&M $42,406
    NBT Bank, National Association 100 Market Street Suite 201 Portsmouth, NH 3801 Full Service B&M $9,061
    NBT Bank, National Association 1310 North Street Endicott, NY 13760 Full Service B&M $40,344
    NBT Bank, National Association 1001 James Street Syracuse, NY 13203 Full Service B&M $48,826
    NBT Bank, National Association 1008 Main Street Newfoundland, PA 18445 Full Service B&M $26,675
    NBT Bank, National Association 101 Marshall Street Syracuse, NY 13210 Full Service B&M $10,490
    NBT Bank, National Association 105 Main Street Suite 1 Sharon Springs, NY 13459 Full Service B&M $31,458
    NBT Bank, National Association 106 Hannford Plaza Amsterdam, NY 12010 Full Service B&M $70,850
    NBT Bank, National Association 107 Brown Street, Suite 100 East Stroudsburg, PA 18301 Full Service B&M $13,099
    NBT Bank, National Association 1079 Pennsylvania 390 Mountainhome, PA 18342 Full Service B&M $32,497
    NBT Bank, National Association 108 Second Street Deposit, NY 13754 Full Service B&M $43,296
    NBT Bank, National Association 1091 Groton Avenue Extension Cortland, NY 13045 Full Service B&M $61,830
    NBT Bank, National Association 11 East Main Street Hancock, NY 13783 Full Service B&M $45,083
    NBT Bank, National Association 110 Main Street South Glens Falls, NY 12803 Full Service B&M $20,421
    NBT Bank, National Association 114 Village Center Drive Lords Valley, PA 18428 Full Service B&M $30,060
    NBT Bank, National Association 117 Meadow Avenue Scranton, PA 18505 Full Service B&M $14,718
    NBT Bank, National Association 117 State Hwy 320 Norwich, NY 13815 Full Service B&M $16,201
    NBT Bank, National Association 1187 Mount Cobb Road Mount Cobb, PA 18436 Full Service B&M $27,556
    NBT Bank, National Association 12 Fremont Street Gloversville, NY 12078 Full Service B&M $77,369
    NBT Bank, National Association 12 North Main Street Middleville, NY 13406 Full Service B&M $50,205
    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 $6,128
    NBT Bank, National Association 1230 O'neill Highway Dunmore, PA 18512 Full Service Retail $23,134
    NBT Bank, National Association 1256 Front Street Binghamton, NY 13901 Full Service B&M $55,688
    NBT Bank, National Association 126 North Salina Street Syracuse, NY 13202 Full Service B&M $39,031
    NBT Bank, National Association 13 Division Street Sidney, NY 13838 Full Service B&M $60,687
    NBT Bank, National Association 130 North Keyser Avenue Scranton, PA 18504 Full Service B&M $33,287
    NBT Bank, National Association 131 Oriskany Boulevard Whitesboro, NY 13492 Full Service B&M $61,140
    NBT Bank, National Association 14-18 East Main Street Marathon, NY 13803 Full Service B&M $38,117
    NBT Bank, National Association 140 Brooklyn Street Carbondale, PA 18407 Full Service B&M $67,743
    NBT Bank, National Association 142 North Comrie Avenue Johnstown, NY 12095 Full Service B&M $156,917
    NBT Bank, National Association 1456 Lake Ariel Hwy Lake Ariel, PA 18436 Full Service B&M $32,595
    NBT Bank, National Association 147 Maple Avenue Hobart, NY 13788 Full Service B&M $48,961
    NBT Bank, National Association 150 Bank Street Burlington, VT 5401 Full Service B&M $90,789
    NBT Bank, National Association 156 Robison Street Binghamton, NY 13904 Full Service B&M $64,312
    NBT Bank, National Association 1572 State Highway 26 South Otselic, NY 13155 Full Service B&M $14,552
    NBT Bank, National Association 16 Main Street Cherry Valley, NY 13320 Full Service B&M $28,880
    NBT Bank, National Association 16 West Main Street St. Johnsville, NY 13452 Full Service B&M $47,779
    NBT Bank, National Association 160 Main Street Oneida, NY 13421 Full Service B&M $59,429
    NBT Bank, National Association 161 State Route 104 Oswego, NY 13126 Full Service B&M $20,730
    NBT Bank, National Association 171 North Wilkes Barre Boulevard Wilkes Barre, PA 18702 Full Service B&M $29,896
    NBT Bank, National Association 183 North Memorial Hwy Shavertown, PA 18708 Full Service B&M $11,611
    NBT Bank, National Association 185 Margaret Street Plattsburgh, NY 12901 Full Service B&M $27,128
    NBT Bank, National Association 194 Main Street Richfield Springs, NY 13439 Full Service B&M $59,995
    NBT Bank, National Association 1944 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $57,368
    NBT Bank, National Association 199 Second Avenue Extension Gloversville, NY 12078 Full Service B&M $102,515
    NBT Bank, National Association 2 Commons Drive Cooperstown, NY 13326 Full Service B&M $31,689
    NBT Bank, National Association 2 Commonwealth Avenue Essex Junction, VT 5452 Full Service B&M $32,555
    NBT Bank, National Association 2 Holmes Road Lenox, MA 1240 Full Service B&M $7,021
    NBT Bank, National Association 2 North Main Street Newark Valley, NY 13811 Full Service B&M $34,861
    NBT Bank, National Association 2 South Main Street Earlville, NY 13332 Full Service B&M $25,392
    NBT Bank, National Association 2 South Main Street New Berlin, NY 13411 Full Service B&M $35,985
    NBT Bank, National Association 20 Mohawk Street Canajoharie, NY 13317 Full Service B&M $61,022
    NBT Bank, National Association 207 State Route 435 Elmhurst Township, PA 18444 Full Service B&M $31,686
    NBT Bank, National Association 209 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $87,071
    NBT Bank, National Association 210 West Street Keene, NH 3431 Full Service B&M $46,811
    NBT Bank, National Association 214 West Harford Street, Unit 1 Milford, PA 18337 Full Service B&M $46,449
    NBT Bank, National Association 221 Main Street Nashua, NH 3060 Full Service B&M $22,507
    NBT Bank, National Association 225 Guideboard Road Halfmoon, NY 12065 Full Service B&M $39,062
    NBT Bank, National Association 242 Quaker Road Queensbury, NY 12804 Full Service B&M $39,654
    NBT Bank, National Association 2483 Main Street Lake Placid, NY 12946 Full Service B&M $68,442
    NBT Bank, National Association 254 Commercial Street Portland, ME 4101 Full Service B&M $32,369
    NBT Bank, National Association 264 Main Street Massena, NY 13662 Full Service B&M $63,270
    NBT Bank, National Association 270 Genesee Street Utica, NY 13502 Full Service B&M $102,176
    NBT Bank, National Association 271 Main Street Schoharie, NY 12157 Full Service B&M $64,273
    NBT Bank, National Association 2743 Route 26 Cincinnatus, NY 13040 Full Service B&M $22,426
    NBT Bank, National Association 2800 Ford Street Extension Ogdensburg, NY 13669 Full Service B&M $21,640
    NBT Bank, National Association 295 Broadway Saratoga Springs, NY 12866 Full Service B&M $82,855
    NBT Bank, National Association 2950 Us Highway 11 Whitney Point, NY 13862 Full Service B&M $44,212
    NBT Bank, National Association 3 Kennedy Drive Archbald, PA 18403 Full Service B&M $59,234
    NBT Bank, National Association 30 North Main Street Sherburne, NY 13460 Full Service B&M $65,763
    NBT Bank, National Association 30 West Utica Street Oswego, NY 13126 Full Service B&M $62,000
    NBT Bank, National Association 300 Lackawanna Avenue Scranton, PA 18503 Full Service B&M $17,615
    NBT Bank, National Association 305 Main Street Suite 2 Middleburg, NY 12122 Full Service B&M $58,494
    NBT Bank, National Association 312 Bridge Street Northville, NY 12134 Full Service B&M $88,831
    NBT Bank, National Association 3121 Vestal Parkway East Vestal, NY 13851 Full Service B&M $129,512
    NBT Bank, National Association 318 East Grove Street Clarks Green, PA 18411 Full Service B&M $62,376
    NBT Bank, National Association 331 Main Street Johnson City, NY 13790 Full Service B&M $20,024
    NBT Bank, National Association 331 State Road North Adams, MA 1247 Full Service B&M $15,607
    NBT Bank, National Association 3392 State Route 11 Malone, NY 12953 Full Service B&M $30,538
    NBT Bank, National Association 34 West Main Street Fonda, NY 12068 Full Service B&M $62,298
    NBT Bank, National Association 36 Public Avenue Montrose, PA 18801 Full Service B&M $59,373
    NBT Bank, National Association 3711 State Highway 30 Broadalbin, NY 12025 Full Service B&M $55,433
    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 $36,405
    NBT Bank, National Association 4 North Mountain Boulevard Mountain Top, PA 18707 Full Service B&M $13,860
    NBT Bank, National Association 41 Canal Street Fort Plain, NY 13339 Full Service B&M $43,908
    NBT Bank, National Association 425 Columbia Turnpike Rensselaer, NY 12144 Full Service B&M $25,612
    NBT Bank, National Association 433 State Street Schenectady, NY 12305 Full Service B&M $102,804
    NBT Bank, National Association 455 Market Street Kingston, PA 18704 Full Service B&M $34,869
    NBT Bank, National Association 482 Route 3 Plattsburgh, NY 12901 Full Service B&M $57,627
    NBT Bank, National Association 49 State Route 296 Windham, NY 12496 Full Service B&M $33,435
    NBT Bank, National Association 4957 Western Turnpike Duanesburg, NY 12056 Full Service B&M $65,424
    NBT Bank, National Association 5 New Karner Road Guilderland, NY 12084 Full Service B&M $34,778
    NBT Bank, National Association 5 Park Place Canton, NY 13617 Full Service B&M $40,289
    NBT Bank, National Association 5009 Windsor Dr Bartonsville, PA 18321 Full Service B&M $14,553
    NBT Bank, National Association 5084 Route 11 Ellenburg Depot, NY 12935 Full Service B&M $20,473
    NBT Bank, National Association 52 South Broad Street Norwich, NY 13815 Full Service B&M $660,996
    NBT Bank, National Association 5390 West Genesee Street Camillus, NY 13031 Full Service B&M $44,434
    NBT Bank, National Association 54 North Street, Suite 101 Pittsfield, MA 1201 Full Service B&M $3,631
    NBT Bank, National Association 54 State Street Albany, NY 12207 Full Service B&M $60,747
    NBT Bank, National Association 5582 State Hwy 7, Eastside Town Of Oneonta, NY 13820 Full Service B&M $27,132
    NBT Bank, National Association 5632 State Hwy 12 Norwich, NY 13815 Full Service B&M $6,577
    NBT Bank, National Association 575 Easton Turnpike Hamlin, PA 18427 Full Service B&M $63,091
    NBT Bank, National Association 5789 Route 80 Tully, NY 13159 Full Service B&M $74,353
    NBT Bank, National Association 5910 Pa-92 Kingsley, PA 18826 Full Service B&M $37,829
    NBT Bank, National Association 609 Merrill Road Pittsfield, MA 1201 Full Service B&M $27,404
    NBT Bank, National Association 62 Pioneer Street Cooperstown, NY 13326 Full Service B&M $34,601
    NBT Bank, National Association 628 Sherrill Road Sherrill, NY 13461 Full Service B&M $42,157
    NBT Bank, National Association 65 Main Street Cortland, NY 13045 Full Service B&M $150,612
    NBT Bank, National Association 6554 State Highway 56 Potsdam, NY 13676 Full Service B&M $37,413
    NBT Bank, National Association 6563 Weighlock Drive De Witt, NY 13214 Full Service B&M $52,600
    NBT Bank, National Association 685 Scranton/Carbondale Hwy Eynon, PA 18403 Full Service B&M $33,213
    NBT Bank, National Association 691 East Main Street Cobleskill, NY 12043 Full Service B&M $73,103
    NBT Bank, National Association 6930 East Genesee Street Fayetteville, NY 13066 Full Service B&M $51,900
    NBT Bank, National Association 700 Main Street Great Barrington, MA 1230 Full Service B&M $35,356
    NBT Bank, National Association 700 North Main Street North Syracuse, NY 13212 Full Service B&M $30,272
    NBT Bank, National Association 703 Troy-Schenectady Road Latham, NY 12110 Full Service B&M $84,388
    NBT Bank, National Association 723 Main Street Margaretville, NY 12455 Full Service B&M $132,554
    NBT Bank, National Association 736 Main Street Dickson City, PA 18519 Full Service B&M $43,734
    NBT Bank, National Association 7577-79 Jefferson Street Pulaski, NY 13142 Full Service B&M $46,561
    NBT Bank, National Association 76 Park Street Lee, MA 1238 Full Service B&M $26,357
    NBT Bank, National Association 80 Canal Street Manchester, NH 3101 Full Service B&M $66,206
    NBT Bank, National Association 80 South Chenango Street Greene, NY 13778 Full Service B&M $43,241
    NBT Bank, National Association 80 Wolf Road Albany, NY 12205 Full Service B&M $113,347
    NBT Bank, National Association 801 South Main Street Taylor, PA 18517 Full Service B&M $18,823
    NBT Bank, National Association 8260 Willett Parkway Baldwinsville, NY 13027 Full Service B&M $53,779
    NBT Bank, National Association 8270 Cazenovia Road Rte 92 Manlius, NY 13104 Full Service B&M $42,493
    NBT Bank, National Association 841 Main Street New Milford, PA 18834 Full Service B&M $45,370
    NBT Bank, National Association 853 Black River Boulevard Rome, NY 13440 Full Service B&M $54,729
    NBT Bank, National Association 8549 Seneca Turnpike New Hartford, NY 13413 Full Service B&M $123,406
    NBT Bank, National Association 86 Glen Street Glens Falls, NY 12801 Full Service B&M $54,266
    NBT Bank, National Association 9 Clifton Country Road Clifton Park, NY 12065 Full Service Retail $23,655
    NBT Bank, National Association 9 North Main Street Bainbridge, NY 13733 Full Service B&M $29,843
    NBT Bank, National Association 9556 Main Street Brewerton, NY 13029 Full Service B&M $15,996
    NBT Bank, National Association 99 Pa 940 Mount Pocono, PA 18344 Full Service B&M $18,677
    NBT Bank, National Association One Wall Street Oneonta, NY 13820 Full Service B&M $84,929
    NBT Bank, National Association Route 11 And Mountain View Plaza Great Bend, PA 18821 Full Service B&M $23,907
    NBT Bank, National Association Route 3 West Fulton, NY 13069 Full Service B&M $17,966
    NBT Bank, National Association Route 5 And Route 46 Oneida, NY 13421 Full Service B&M $22,279
    NBT Bank, National Association Route 5 And Stroud Street Canastota, NY 13032 Full Service B&M $50,840
    NBT Bank, National Association Routes 8 And 30 Speculator, NY 12164 Full Service B&M $46,660
    NBT Bank, National Association Rte 23 & 30 Grand Gorge, NY 12434 Full Service B&M $44,615

    For 2019, Nbt Bank had 151 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $367,523
    Net interest income $315,967
    Total noninterest income $100,291
    Gross Fiduciary activities income $19,164
    Service charges on deposit accounts $18,864
    Trading account gains and fees $0
    Additional Noninterest Income $62,263
    Pre-tax net operating income $145,971
    Securities gains (or losses, -) $4,048
    Income before extraordinary items $116,417
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $116,417
    Minority interest net income $0
    Net income $116,417
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $113,219

    Nbt Bank's gross interest income from loans was $367,523,000.
    Nbt Bank's net interest income from loans was $315,967,000.
    Nbt Bank's fee based income from loans was $18,864,000.
    Nbt Bank's net income from loans was $116,417,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $51,556
    Provision for credit losses $25,412
    Total noninterest expense $244,875
    Salaries and employee benefits $128,079
    Premises and equipment expense $36,340
    Additional noninterest expense $80,456
    Applicable income taxes $33,602
    Net charge-offs $24,952
    Cash dividends $50,200

    Nbt Bank's interest expense for loans was $51,556,000.
    Nbt Bank's payroll and benefits expense were $128,079,000.
    Nbt Bank's property, plant and equipment expenses $36,340,000.

    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 $7,645,365
    Deposits held in domestic offices $7,645,365
    Deposits by Individuals, partnerships, and corporations $6,633,268
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $1,011,994
    Deposits by Commercial banks and other depository institutions in U.S. $99
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $482,640
    Demand deposits $312,417
    Nontransaction accounts $7,162,725
    Money market deposit accounts (MMDAs) $5,046,284
    Other savings deposits (excluding MMDAs) $1,255,248
    Total time deposits $861,193
    Total time and savings deposits $7,332,948
    Noninterest-bearing deposits $312,417
    Interest-bearing deposits $7,332,948
    Retail deposits $7,279,724
    IRAs and Keogh plan accounts $117,901
    Brokered deposits $225,236
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,642,935
    Cash & Balances due from depository institutions $214,625
    Interest-bearing balances $44,410
    Total securities $1,610,743
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,074,864
    Loan and leases loss allowance $72,965
    Trading account assets $0
    Bank premises and fixed assets $67,134
    Other real estate owned $1,458
    Goodwill and other intangibles $256,361
    All other assets $417,750

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,642,935
    Total Liabilities $8,501,034
    Total deposits $7,645,365
    Interest-bearing deposits $7,332,948
    Deposits held in domestic offices $7,645,365
    % insured (estimated) $49
    Federal funds purchased and repurchase agreements $208,775
    Trading liabilities $0
    Other borrowed funds $510,690
    Subordinated debt $0
    All other liabilities $136,204

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,074,864
    Loan and leases loss allowance $72,965
    Total loans and leases (domestic) $7,147,829
    All real estate loans $4,321,141
    Real estate loans in domestic offices $4,321,141
    Construction and development loans $149,372
    Residential 1-4 family construction $29,247
    Other construction, all land development and other land $120,125
    Loans secured by nonfarm nonresidential properties $1,550,790
    Nonfarm nonresidential secured by owner-occupied properties $575,234
    Commercial real estate & other non-farm, non-residential $975,556
    Multifamily residential real estate $562,721
    1-4 family residential loans $1,997,385
    Farmland loans $60,873
    Loans held in foreign offices $0
    Farm loans $52,128
    Commercial and industrial loans $949,812
    To non-U.S. addressees $0
    Loans to individuals $1,793,212
    Credit card loans $0
    Related Plans $21,479
    Consumer Auto Loans $1,164,587
    Other loans to individuals $607,146
    All other loans & leases $31,550
    Loans to foreign governments and official institutions $0
    Other loans $18,109
    Loans to depository institutions and acceptances of other banks $4,015
    Loans not secured by real estate $8,391
    Loans secured by real estate to non-U.S. addressees $731
    Restructured Loans & leases $13,733
    Non 1-4 family restructured loans & leases $2,474
    Total loans and leases (foreign) $0

    NBT Bank had $7,074,864,000 of loans outstanding in 2019. $4,321,141,000 of loans were in real estate loans. $149,372,000 of loans were in development loans. $562,721,000 of loans were in multifamily mortgage loans. $1,997,385,000 of loans were in 1-4 family mortgage loans. $52,128,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,164,587,000 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 1,679 $335,649 $199,910
    Nonfarm, nonresidential loans - <$100k 293 $11,069 $37,778
    Nonfarm, nonresidential loans - $100-250k 620 $69,296 $111,768
    Nonfarm, nonresidential loans - $250k-1MM 766 $255,284 $333,269
    Commercial & Industrial, US addressed loans - <$1MM 4,390 $288,328 $65,678
    Commercial & Industrial, US addressed loans - <$100k 3,086 $65,398 $21,192
    Commercial & Industrial, US addressed loans - $100-250k 628 $54,281 $86,435
    Commercial & Industrial, US addressed loans - $250k-1MM 676 $168,649 $249,481
    Farmland loans - <$1MM 214 $19,567 $91,435
    Farmland loans - <$100k 57 $1,974 $34,632
    Farmland loans - $100-250k 97 $8,946 $92,227
    Farmland loans - $250k-1MM 60 $8,647 $144,117
    Agriculture operations loans - <$1MM 447 $19,231 $43,022
    Agriculture operations loans - <$100k 294 $6,322 $21,503
    Agriculture operations loans - $100-250k 93 $5,878 $63,204
    Agriculture operations loans - $250k-1MM 60 $7,031 $117,183