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: Boston, Syracuse, Burlington, Albany, and Utica among others. We have data for 57 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% 4/21/24
    30 Year Conventional Purchase 6.18% 4/21/24
    30 Year Conventional Refi 6.15% 4/21/24
    30 Year Cash-out Refi 6.22% 4/21/24
    30 Year FHA Purchase 7.21% 4/21/24
    30 Year USDA Purchase 6.59% 4/21/24
    15 Year Conventional Purchase 5.71% 4/21/24
    15 Year Conventional Refi 5.76% 4/21/24
    15 Year Cash-out Refi 5.76% 4/21/24
    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

    2,809

    Origination Dollar Volume (All Markets)

    $637,525,000

    Employee count

    1,502

    Awards

    NBT Bank 30 Year Conventional Loans silver NBT Bank FHA Loans silver
    Show all (2) 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
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 38 $85,940,000 $2,261,579 $4,232 3.03%
    Outside of Metro Areas 461 $69,545,000 $150,857 $3,772 3.09%
    SYRACUSE, NY (FHA|USDA|VA) 429 $65,215,000 $152,016 $3,385 2.99%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 52 $62,340,000 $1,198,846 $3,508 3.12%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 193 $52,745,000 $273,290 $3,842 3.10%
    UTICA-ROME, NY (FHA|USDA|VA) 241 $39,195,000 $162,635 $3,805 3.11%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 95 $36,145,000 $380,474 $3,802 3.27%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 231 $29,735,000 $128,723 $4,032 2.98%
    GLENS FALLS, NY (FHA|USDA|VA) 67 $17,275,000 $257,836 $4,141 3.19%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $15,875,000 $1,221,154 $4,129 3.12%
    Cortland, NY (FHA|USDA|VA) 129 $15,695,000 $121,667 $3,289 3.11%
    Oneonta, NY (FHA|USDA|VA) 118 $15,680,000 $132,881 $3,550 3.10%
    Gloversville, NY (FHA|USDA|VA) 116 $13,830,000 $119,224 $3,847 2.95%
    BINGHAMTON, NY (FHA|USDA|VA) 118 $13,650,000 $115,678 $3,086 3.14%
    PITTSFIELD, MA (FHA|USDA|VA) 42 $12,460,000 $296,667 $3,858 3.15%
    Keene, NH (FHA|USDA|VA) 20 $11,790,000 $589,500 $2,560 3.17%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 80 $8,900,000 $111,250 $3,464 3.08%
    Malone, NY (FHA|USDA|VA) 48 $8,350,000 $173,958 $3,904 3.04%
    Amsterdam, NY (FHA|USDA|VA) 86 $8,160,000 $94,884 $3,354 2.90%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 48 $6,720,000 $140,000 $4,280 3.11%
    Plattsburgh, NY (FHA|USDA|VA) 40 $6,190,000 $154,750 $3,486 3.17%
    Bennington, VT (FHA|USDA|VA) 2 $6,150,000 $3,075,000 $5,785 2.99%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 35 $5,505,000 $157,286 $3,896 3.15%
    Lebanon, NH-VT (FHA|USDA|VA) 9 $3,545,000 $393,889 $3,113 3.12%
    Auburn, NY (FHA|USDA|VA) 15 $2,825,000 $188,333 $4,052 3.30%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $2,655,000 $531,000 $0 3.35%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 6 $2,350,000 $391,667 $3,805 3.17%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $2,155,000 $2,155,000 $7,446 3.00%
    Concord, NH (FHA|USDA|VA) 4 $1,750,000 $437,500 $2,742 3.25%
    ROCHESTER, NY (FHA|USDA|VA) 11 $1,725,000 $156,818 $3,550 4.36%
    Laconia, NH (FHA|USDA|VA) 6 $1,550,000 $258,333 $0 4.00%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,465,000 $488,333 $5,419 3.29%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,390,000 $695,000 $3,666 2.94%
    Rutland, VT (FHA|USDA|VA) 8 $1,310,000 $163,750 $3,808 3.09%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $945,000 $945,000 $9,629 3.25%
    ELMIRA, NY (FHA|USDA|VA) 2 $760,000 $380,000 $5,122 3.06%
    KINGSTON, NY (FHA|USDA|VA) 2 $750,000 $375,000 $7,519 2.87%
    Hudson, NY (FHA|USDA|VA) 4 $640,000 $160,000 $4,018 2.97%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $570,000 $285,000 $2,910 3.13%
    ITHACA, NY (FHA|USDA|VA) 5 $485,000 $97,000 $3,189 3.10%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $465,000 $465,000 $8,494 3.00%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $440,000 $220,000 $4,439 4.56%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $410,000 $102,500 $3,201 3.81%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $385,000 $385,000 $5,150 3.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,866 3.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $305,000 $305,000 $5,651 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.96%
    Sayre, PA (FHA|USDA|VA) 1 $205,000 $205,000 $8,240 3.25%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $175,000 $175,000 $3,456 2.63%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $115,000 $115,000 $2,773 3.63%
    Barre, VT (FHA|USDA|VA) 1 $85,000 $85,000 $3,071 3.63%
    Corning, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.99%
    Lock Haven, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.24%
    READING, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.24%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.99%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.99%
    Pottsville, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.99%
    Nbt Bank's top markets include Boston, Syracuse, Burlington, Albany, and Utica among others.

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

    FIRST NEW YORK
    Similarity Rank: 56
    GHS Federal Credit Union
    Similarity Rank: 112
    Elmira Savings Bank
    Similarity Rank: 126
    The First National Bank of Long Island
    Similarity Rank: 134
    Adams Community Bank
    Similarity Rank: 161
    SECNY Federal Credit Union
    Similarity Rank: 165
    Bank of Richmondville
    Similarity Rank: 180
    North Jersey Federal Credit Union
    Similarity Rank: 247
    Adirondack Bank
    Similarity Rank: 248
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 258

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,788 $543,940,000 $304,217 $3,621 3.20%
    HELOC 957 $84,175,000 $87,957 n/a 2.88%
    FHA 53 $7,535,000 $142,170 $5,585 3.28%
    USDA 8 $990,000 $123,750 $4,243 3.27%
    VA 3 $885,000 $295,000 $5,657 3.25%

    For 2020, Nbt Bank's most frequently originated type of loan was Conventional, with 1,788 originations. Their 2nd most popular type was HELOC, with 957 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,085 $259,365,000 $239,046 $3,757 3.28%
    Refi 798 $257,860,000 $323,133 $3,165 3.02%
    Home Improvement 360 $26,060,000 $72,389 $3,191 2.88%
    Cash Out Refi 347 $70,635,000 $203,559 $3,990 3.03%
    Other 219 $23,605,000 $107,785 $3,664 2.87%

    For 2020, Nbt Bank's most frequently cited loan purpose was Home Purchase, with 1,085 originations. The 2nd most popular reason was Refi, with 798 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 1,091 $102,425,000 $93,882 $3,401 3.00%
    30 Year 964 $208,700,000 $216,494 $3,833 3.26%
    15 Year 470 $77,230,000 $164,319 $3,170 2.79%
    10 Year 112 $104,130,000 $929,732 $3,261 3.46%
    30+ year 92 $28,190,000 $306,413 $5,038 3.31%
    Other 68 $110,280,000 $1,621,765 $4,165 3.28%
    5 Year 12 $6,570,000 $547,500 $0 3.50%

    For 2020, Nbt Bank's most frequently cited loan duration was 20 Year, with 1,091 originations. The 2nd most popular length was 30 Year, with 964 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 853 $169,575,000 $198,798
    $1k-2k 539 $101,825,000 $188,915
    $2k-3k 169 $36,565,000 $216,361
    $3k-4k 67 $17,285,000 $257,985
    $5k+ 18 $6,200,000 $344,444
    $4k-5k 16 $6,330,000 $395,625

    Nbt Bank's average total fees were $3,833, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 853 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,146 $225,980,000 $197,190
    3-4% 1,042 $326,870,000 $313,695
    <2.5% 517 $64,935,000 $125,600
    4-5% 73 $16,915,000 $231,712
    5-6% 19 $1,555,000 $81,842
    6-7% 9 $1,055,000 $117,222
    7-8% 3 $215,000 $71,667

    During 2020, Nbt Bank's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,146 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,114 $64,720,000 $58,097 $2,956 3.06%
    $100k-200k 944 $134,380,000 $142,352 $3,464 3.09%
    $200k-400k 547 $145,565,000 $266,115 $4,209 3.12%
    $400k-600k 109 $53,195,000 $488,028 $5,000 3.13%
    $1MM+ 53 $207,385,000 $3,912,925 $6,285 3.25%
    $600k-1MM 42 $32,280,000 $768,571 $5,346 3.37%

    2020 saw Nbt Bank place emphasis on $100,000 or less loans with 1,114 originations, totaling $64,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 562 $61,160,000 $108,826 $3,443 3.09%
    $100k-150k 518 $83,010,000 $160,251 $3,805 2.98%
    $50k or less 460 $36,200,000 $78,696 $3,106 3.12%
    $75k-100k 436 $56,350,000 $129,243 $3,718 3.08%
    $150k-250k 363 $81,085,000 $223,375 $4,067 2.99%
    $250k+ 211 $85,245,000 $404,005 $4,475 3.01%

    Nbt Bank lent most frequently to those with incomes in the $50k-75k range, with 562 originations. The second most popular income band? $100k-150k, with 518 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 640 $103,480,000 $161,688 $3,623 3.00%
    30-36% 532 $81,430,000 $153,064 $3,712 3.05%
    <20% 288 $44,660,000 $155,069 $3,395 2.98%
    42% 143 $21,555,000 $150,734 $3,707 3.00%
    39% 111 $14,555,000 $131,126 $3,715 3.00%
    36% 109 $15,595,000 $143,073 $3,573 3.01%
    37% 103 $12,845,000 $124,709 $3,533 3.20%
    40% 99 $16,295,000 $164,596 $3,924 3.08%
    41% 90 $15,760,000 $175,111 $3,842 3.03%
    38% 89 $12,075,000 $135,674 $3,843 3.09%
    43% 78 $12,170,000 $156,026 $3,709 3.07%
    44% 71 $12,965,000 $182,606 $3,889 3.18%
    46% 56 $9,020,000 $161,071 $3,782 3.18%
    45% 54 $9,160,000 $169,630 $3,746 3.03%
    48% 46 $9,030,000 $196,304 $3,911 3.23%
    49% 37 $6,505,000 $175,811 $3,984 2.98%
    47% 36 $8,230,000 $228,611 $3,890 3.08%
    50-60% 36 $6,330,000 $175,833 $3,996 3.33%
    >60% 19 $4,115,000 $216,579 $3,315 3.12%

    Nbt Bank lent most frequently to those with DTI ratios of 20-30%, with 640 originations. The next most common DTI ratio? 30-36%, with 532 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,078 $301,260,000 $144,976 $3,733 3.05%
    Not applicable 162 $217,510,000 $1,342,654 $0 3.78%
    Not provided 505 $104,845,000 $207,614 $3,596 3.05%
    Asian 25 $7,375,000 $295,000 $3,801 3.10%
    Asian Indian 10 $3,270,000 $327,000 $3,421 2.76%
    Black 21 $2,525,000 $120,238 $3,589 3.16%
    American Indian 6 $580,000 $96,667 $2,809 3.06%
    Chinese 1 $145,000 $145,000 $0 2.49%
    Native Hawaiian or Islander 1 $15,000 $15,000 $0 2.99%

    Approval Rates

    Total approvals of all applications
    76.41%

    Nbt Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.14%

    Nbt Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 21 $1,275,000 $60,714
    NA 2,788 $636,250,000 $228,210

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $4,175,000 $835,000
    Multifamily:Site-Built 83 $202,505,000 $2,439,819
    Single Family (1-4 Units):Manufactured 46 $3,670,000 $79,783
    Single Family (1-4 Units):Site-Built 2,675 $427,175,000 $159,692

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 413 $34,935,000 $84,588 $3,006 2.96%
    40-60% 458 $96,120,000 $209,869 $3,131 3.02%
    60-80% 978 $346,760,000 $354,560 $3,845 3.15%
    80-100% 693 $144,905,000 $209,098 $3,794 3.21%
    Over 100% 5 $2,645,000 $529,000 $5,714 3.50%
    Under 20% 261 $12,125,000 $46,456 $1,529 2.88%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Nbt Bank, National Association 1008 Main Street Newfoundland, PA 18445 Full Service B&M $29,737
    Nbt Bank, National Association 10 North Canal Street Oxford, NY 13830 Full Service B&M $45,842
    Nbt Bank, National Association 1148 Erie Boulevard West Rome, NY 13440 Full Service B&M $68,874
    Nbt Bank, National Association 30 North Main Street Sherburne, NY 13460 Full Service B&M $74,211
    Nbt Bank, National Association 1001 James Street Syracuse, NY 13203 Full Service B&M $73,354
    Nbt Bank, National Association 1 West Street Edmeston, NY 13335 Full Service B&M $58,530
    Nbt Bank, National Association 1 Kirkland Ave. Clinton, NY 13323 Full Service B&M $106,904
    Nbt Bank, National Association 1 Madison Street Hamilton, NY 13346 Full Service B&M $114,163
    Nbt Bank, National Association 1 Taft Cornes Shopping Center Williston, VT 5495 Full Service B&M $27,481
    Nbt Bank, National Association 100 Market Street Suite 201 Portsmouth, NH 3801 Full Service B&M $16,305
    Nbt Bank, National Association 101 Marshall Street Syracuse, NY 13210 Full Service B&M $17,386
    Nbt Bank, National Association 105 Main Street Suite 1 Sharon Springs, NY 13459 Full Service B&M $31,255
    Nbt Bank, National Association 106 Hannford Plaza Amsterdam, NY 12010 Full Service B&M $84,788
    Nbt Bank, National Association 1079 Pennsylvania 390 Mountainhome, PA 18342 Full Service B&M $39,744
    Nbt Bank, National Association 108 Second Street Deposit, NY 13754 Full Service B&M $47,038
    Nbt Bank, National Association 1091 Groton Avenue Extension Cortland, NY 13045 Full Service B&M $72,147
    Nbt Bank, National Association 11 East Main Street Hancock, NY 13783 Full Service B&M $52,058
    Nbt Bank, National Association 110 Main Street South Glens Falls, NY 12803 Full Service B&M $23,405
    Nbt Bank, National Association 114 Village Center Drive Lords Valley, PA 18428 Full Service B&M $34,565
    Nbt Bank, National Association 117 State Hwy 320 Norwich, NY 13815 Full Service B&M $18,759
    Nbt Bank, National Association 1187 Mount Cobb Road Mount Cobb, PA 18436 Full Service B&M $29,210
    Nbt Bank, National Association 12 Fremont Street Gloversville, NY 12078 Full Service B&M $82,726
    Nbt Bank, National Association 12 North Main Street Middleville, NY 13406 Full Service B&M $34,028
    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 $8,355
    Nbt Bank, National Association 1230 O'neill Highway Dunmore, PA 18512 Full Service Retail $31,079
    Nbt Bank, National Association 1256 Front Street Binghamton, NY 13901 Full Service B&M $67,919
    Nbt Bank, National Association 126 North Salina Street Syracuse, NY 13202 Full Service B&M $56,098
    Nbt Bank, National Association 13 Division Street Sidney, NY 13838 Full Service B&M $70,329
    Nbt Bank, National Association 130 North Keyser Avenue Scranton, PA 18504 Full Service B&M $53,395
    Nbt Bank, National Association 131 Oriskany Boulevard Whitesboro, NY 13492 Full Service B&M $62,216
    Nbt Bank, National Association 1310 North Street Endicott, NY 13760 Full Service B&M $51,735
    Nbt Bank, National Association 14-18 East Main Street Marathon, NY 13803 Full Service B&M $46,767
    Nbt Bank, National Association 140 Brooklyn Street Carbondale, PA 18407 Full Service B&M $78,360
    Nbt Bank, National Association 142 North Comrie Avenue Johnstown, NY 12095 Full Service B&M $179,735
    Nbt Bank, National Association 1456 Lake Ariel Hwy Lake Ariel, PA 18436 Full Service B&M $35,810
    Nbt Bank, National Association 147 Maple Avenue Hobart, NY 13788 Full Service B&M $53,526
    Nbt Bank, National Association 150 Bank Street Burlington, VT 5401 Full Service B&M $110,879
    Nbt Bank, National Association 156 Robison Street Binghamton, NY 13904 Full Service B&M $103,459
    Nbt Bank, National Association 1572 State Highway 26 South Otselic, NY 13155 Full Service B&M $16,903
    Nbt Bank, National Association 16 Main Street Cherry Valley, NY 13320 Full Service B&M $34,121
    Nbt Bank, National Association 16 West Main Street St. Johnsville, NY 13452 Full Service B&M $49,600
    Nbt Bank, National Association 160 Main Street Oneida, NY 13421 Full Service B&M $63,888
    Nbt Bank, National Association 161 State Route 104 Oswego, NY 13126 Full Service B&M $24,871
    Nbt Bank, National Association 171 North Wilkes Barre Boulevard Wilkes Barre, PA 18702 Full Service B&M $27,111
    Nbt Bank, National Association 182 Main Street Afton, NY 13730 Full Service B&M $58,542
    Nbt Bank, National Association 183 North Memorial Hwy Shavertown, PA 18708 Full Service B&M $13,607
    Nbt Bank, National Association 185 Margaret Street Plattsburgh, NY 12901 Full Service B&M $32,015
    Nbt Bank, National Association 194 Main Street Richfield Springs, NY 13439 Full Service B&M $67,629
    Nbt Bank, National Association 1944 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $74,336
    Nbt Bank, National Association 199 Second Avenue Extension Gloversville, NY 12078 Full Service B&M $115,954
    Nbt Bank, National Association 2 Commons Drive Cooperstown, NY 13326 Full Service B&M $36,702
    Nbt Bank, National Association 2 Commonwealth Avenue Essex Junction, VT 5452 Full Service B&M $32,657
    Nbt Bank, National Association 2 North Main Street Newark Valley, NY 13811 Full Service B&M $39,812
    Nbt Bank, National Association 2 South Main Street Earlville, NY 13332 Full Service B&M $28,643
    Nbt Bank, National Association 2 South Main Street New Berlin, NY 13411 Full Service B&M $41,671
    Nbt Bank, National Association 20 Mohawk Street Canajoharie, NY 13317 Full Service B&M $66,434
    Nbt Bank, National Association 207 State Route 435 Elmhurst Township, PA 18444 Full Service B&M $38,021
    Nbt Bank, National Association 209 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $100,956
    Nbt Bank, National Association 210 West Street Keene, NH 3431 Full Service B&M $63,401
    Nbt Bank, National Association 214 West Harford Street, Unit 1 Milford, PA 18337 Full Service B&M $57,269
    Nbt Bank, National Association 221 Main Street Nashua, NH 3060 Full Service B&M $30,448
    Nbt Bank, National Association 225 Guideboard Road Halfmoon, NY 12065 Full Service B&M $64,655
    Nbt Bank, National Association 242 Quaker Road Queensbury, NY 12804 Full Service B&M $49,681
    Nbt Bank, National Association 2483 Main Street Lake Placid, NY 12946 Full Service B&M $78,937
    Nbt Bank, National Association 264 Main Street Massena, NY 13662 Full Service B&M $77,236
    Nbt Bank, National Association 270 Genesee Street Utica, NY 13502 Full Service B&M $110,846
    Nbt Bank, National Association 271 Main Street Schoharie, NY 12157 Full Service B&M $68,700
    Nbt Bank, National Association 2743 Route 26 Cincinnatus, NY 13040 Full Service B&M $26,589
    Nbt Bank, National Association 2800 Ford Street Extension Ogdensburg, NY 13669 Full Service B&M $33,097
    Nbt Bank, National Association 29 Quaker Lake Road Friendsville, PA 18818 Full Service B&M $27,823
    Nbt Bank, National Association 295 Broadway Saratoga Springs, NY 12866 Full Service B&M $90,474
    Nbt Bank, National Association 2950 Us Highway 11 Whitney Point, NY 13862 Full Service B&M $56,522
    Nbt Bank, National Association 3 Kennedy Drive Archbald, PA 18403 Full Service B&M $65,766
    Nbt Bank, National Association 30 West Utica Street Oswego, NY 13126 Full Service B&M $68,845
    Nbt Bank, National Association 300 Lackawanna Avenue Scranton, PA 18503 Full Service B&M $21,852
    Nbt Bank, National Association 305 Main Street Suite 2 Middleburg, NY 12122 Full Service B&M $61,514
    Nbt Bank, National Association 312 Bridge Street Northville, NY 12134 Full Service B&M $99,573
    Nbt Bank, National Association 3121 Vestal Parkway East Vestal, NY 13851 Full Service B&M $215,683
    Nbt Bank, National Association 318 East Grove Street Clarks Green, PA 18411 Full Service B&M $64,308
    Nbt Bank, National Association 331 Main Street Johnson City, NY 13790 Full Service B&M $21,192
    Nbt Bank, National Association 331 State Road North Adams, MA 1247 Full Service B&M $16,483
    Nbt Bank, National Association 3392 State Route 11 Malone, NY 12953 Full Service B&M $36,992
    Nbt Bank, National Association 34 West Main Street Fonda, NY 12068 Full Service B&M $68,126
    Nbt Bank, National Association 36 Public Avenue Montrose, PA 18801 Full Service B&M $60,880
    Nbt Bank, National Association 3711 State Highway 30 Broadalbin, NY 12025 Full Service B&M $62,389
    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 $45,325
    Nbt Bank, National Association 4 North Mountain Boulevard Mountain Top, PA 18707 Full Service B&M $14,828
    Nbt Bank, National Association 41 Canal Street Fort Plain, NY 13339 Full Service B&M $50,973
    Nbt Bank, National Association 425 Columbia Turnpike Rensselaer, NY 12144 Full Service B&M $32,043
    Nbt Bank, National Association 433 State Street Schenectady, NY 12305 Full Service B&M $162,484
    Nbt Bank, National Association 455 Market Street Kingston, PA 18704 Full Service B&M $34,517
    Nbt Bank, National Association 482 Route 3 Plattsburgh, NY 12901 Full Service B&M $77,375
    Nbt Bank, National Association 49 State Route 296 Windham, NY 12496 Full Service B&M $35,235
    Nbt Bank, National Association 4957 Western Turnpike Duanesburg, NY 12056 Full Service B&M $77,889
    Nbt Bank, National Association 5 New Karner Road Guilderland, NY 12084 Full Service B&M $33,748
    Nbt Bank, National Association 5 Park Place Canton, NY 13617 Full Service B&M $46,669
    Nbt Bank, National Association 5 Widgery Wharf, 3rd Floor Portland, ME 4101 Full Service B&M $35,669
    Nbt Bank, National Association 5009 Windsor Dr Bartonsville, PA 18321 Full Service B&M $31,879
    Nbt Bank, National Association 5084 Route 11 Ellenburg Depot, NY 12935 Full Service B&M $20,104
    Nbt Bank, National Association 52 South Broad Street Norwich, NY 13815 Full Service B&M $730,604
    Nbt Bank, National Association 5390 West Genesee Street Camillus, NY 13031 Full Service B&M $66,016
    Nbt Bank, National Association 54 North Street, Suite 101 Pittsfield, MA 1201 Full Service B&M $6,454
    Nbt Bank, National Association 54 State Street Albany, NY 12207 Full Service B&M $75,950
    Nbt Bank, National Association 5582 State Hwy 7, Eastside Town Of Oneonta, NY 13820 Full Service B&M $31,976
    Nbt Bank, National Association 5632 State Hwy 12 Norwich, NY 13815 Full Service B&M $8,376
    Nbt Bank, National Association 575 Easton Turnpike Hamlin, PA 18427 Full Service B&M $69,628
    Nbt Bank, National Association 5789 Route 80 Tully, NY 13159 Full Service B&M $80,280
    Nbt Bank, National Association 5910 Pa-92 Kingsley, PA 18826 Full Service B&M $41,610
    Nbt Bank, National Association 609 Merrill Road Pittsfield, MA 1201 Full Service B&M $29,425
    Nbt Bank, National Association 62 Pioneer Street Cooperstown, NY 13326 Full Service B&M $43,571
    Nbt Bank, National Association 628 Sherrill Road Sherrill, NY 13461 Full Service B&M $48,917
    Nbt Bank, National Association 65 Main Street Cortland, NY 13045 Full Service B&M $158,767
    Nbt Bank, National Association 6554 State Highway 56 Potsdam, NY 13676 Full Service B&M $43,688
    Nbt Bank, National Association 6563 Weighlock Drive De Witt, NY 13214 Full Service B&M $57,391
    Nbt Bank, National Association 685 Scranton/Carbondale Hwy Eynon, PA 18403 Full Service B&M $37,775
    Nbt Bank, National Association 691 East Main Street Cobleskill, NY 12043 Full Service B&M $82,349
    Nbt Bank, National Association 6930 East Genesee Street Fayetteville, NY 13066 Full Service B&M $68,437
    Nbt Bank, National Association 700 Main Street Great Barrington, MA 1230 Full Service B&M $40,952
    Nbt Bank, National Association 700 North Main Street North Syracuse, NY 13212 Full Service B&M $38,011
    Nbt Bank, National Association 703 Troy-Schenectady Road Latham, NY 12110 Full Service B&M $115,434
    Nbt Bank, National Association 723 Main Street Margaretville, NY 12455 Full Service B&M $72,235
    Nbt Bank, National Association 733 State Hwy 28 Oneonta, NY 13820 Full Service B&M $58,680
    Nbt Bank, National Association 736 Main Street Dickson City, PA 18519 Full Service B&M $48,252
    Nbt Bank, National Association 7577-79 Jefferson Street Pulaski, NY 13142 Full Service B&M $56,606
    Nbt Bank, National Association 76 Park Street Lee, MA 1238 Full Service B&M $38,968
    Nbt Bank, National Association 80 Canal Street Manchester, NH 3101 Full Service B&M $88,327
    Nbt Bank, National Association 80 South Chenango Street Greene, NY 13778 Full Service B&M $49,588
    Nbt Bank, National Association 80 Wolf Road Albany, NY 12205 Full Service B&M $103,912
    Nbt Bank, National Association 801 South Main Street Taylor, PA 18517 Full Service B&M $25,150
    Nbt Bank, National Association 8260 Willett Parkway Baldwinsville, NY 13027 Full Service B&M $65,105
    Nbt Bank, National Association 8270 Cazenovia Road Rte 92 Manlius, NY 13104 Full Service B&M $45,670
    Nbt Bank, National Association 841 Main Street New Milford, PA 18834 Full Service B&M $47,591
    Nbt Bank, National Association 853 Black River Boulevard Rome, NY 13440 Full Service B&M $80,752
    Nbt Bank, National Association 8549 Seneca Turnpike New Hartford, NY 13413 Full Service B&M $163,139
    Nbt Bank, National Association 86 Glen Street Glens Falls, NY 12801 Full Service B&M $65,672
    Nbt Bank, National Association 9 Clifton Country Road Clifton Park, NY 12065 Full Service Retail $29,553
    Nbt Bank, National Association 9 North Main Street Bainbridge, NY 13733 Full Service B&M $37,336
    Nbt Bank, National Association 9556 Main Street Brewerton, NY 13029 Full Service B&M $19,851
    Nbt Bank, National Association 99 Pa 940 Mount Pocono, PA 18344 Full Service B&M $21,056
    Nbt Bank, National Association One Wall Street Oneonta, NY 13820 Full Service B&M $90,161
    Nbt Bank, National Association Route 11 And Mountain View Plaza Great Bend, PA 18821 Full Service B&M $27,028
    Nbt Bank, National Association Route 3 West Fulton, NY 13069 Full Service B&M $21,299
    Nbt Bank, National Association Route 5 And Route 46 Oneida, NY 13421 Full Service B&M $23,627
    Nbt Bank, National Association Route 5 And Stroud Street Canastota, NY 13032 Full Service B&M $54,661
    Nbt Bank, National Association Routes 8 And 30 Speculator, NY 12164 Full Service B&M $47,514
    Nbt Bank, National Association Rte 23 & 30 Grand Gorge, NY 12434 Full Service B&M $47,758

    For 2020, Nbt Bank had 148 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $348,279
    Net interest income $321,249
    Total noninterest income $103,262
    Gross Fiduciary activities income $19,406
    Service charges on deposit accounts $14,635
    Trading account gains and fees $0
    Additional Noninterest Income $69,221
    Pre-tax net operating income $128,929
    Securities gains (or losses, -) $96
    Income before extraordinary items $101,337
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $101,337
    Minority interest net income $0
    Net income $101,337
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $101,261

    Nbt Bank's gross interest income from loans was $348,279,000.
    Nbt Bank's net interest income from loans was $321,249,000.
    Nbt Bank's fee based income from loans was $14,635,000.
    Nbt Bank's net income from loans was $101,337,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,030
    Provision for credit losses $51,134
    Total noninterest expense $244,448
    Salaries and employee benefits $129,449
    Premises and equipment expense $37,236
    Additional noninterest expense $77,763
    Applicable income taxes $27,688
    Net charge-offs $17,133
    Cash dividends $40,000

    Nbt Bank's interest expense for loans was $27,030,000.
    Nbt Bank's payroll and benefits expense were $129,449,000.
    Nbt Bank's property, plant and equipment expenses $37,236,000.

    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 1.0%
    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 $9,132,452
    Deposits held in domestic offices $9,132,452
    Deposits by Individuals, partnerships, and corporations $8,050,907
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $1,081,503
    Deposits by Commercial banks and other depository institutions in U.S. $41
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $932,069
    Demand deposits $733,096
    Nontransaction accounts $8,200,383
    Money market deposit accounts (MMDAs) $6,087,055
    Other savings deposits (excluding MMDAs) $1,479,850
    Total time deposits $633,480
    Total time and savings deposits $8,399,356
    Noninterest-bearing deposits $733,096
    Interest-bearing deposits $8,399,356
    Retail deposits $8,873,342
    IRAs and Keogh plan accounts $119,142
    Brokered deposits $155,024
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $10,841,317
    Cash & Balances due from depository institutions $670,430
    Interest-bearing balances $510,815
    Total securities $1,970,884
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,390,004
    Loan and leases loss allowance $110,000
    Trading account assets $0
    Bank premises and fixed assets $67,256
    Other real estate owned $1,458
    Goodwill and other intangibles $256,665
    All other assets $484,620

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $10,841,317
    Total Liabilities $9,534,582
    Total deposits $9,132,452
    Interest-bearing deposits $8,399,356
    Deposits held in domestic offices $9,132,452
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $143,386
    Trading liabilities $0
    Other borrowed funds $64,094
    Subordinated debt $0
    All other liabilities $194,650

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,390,004
    Loan and leases loss allowance $110,000
    Total loans and leases (domestic) $7,500,004
    All real estate loans $4,403,261
    Real estate loans in domestic offices $4,403,261
    Construction and development loans $144,114
    Residential 1-4 family construction $32,095
    Other construction, all land development and other land $112,019
    Loans secured by nonfarm nonresidential properties $1,603,730
    Nonfarm nonresidential secured by owner-occupied properties $569,532
    Commercial real estate & other non-farm, non-residential $1,034,198
    Multifamily residential real estate $633,706
    1-4 family residential loans $1,958,881
    Farmland loans $62,830
    Loans held in foreign offices $0
    Farm loans $45,663
    Commercial and industrial loans $1,475,106
    To non-U.S. addressees $0
    Loans to individuals $1,540,121
    Credit card loans $0
    Related Plans $17,367
    Consumer Auto Loans $892,105
    Other loans to individuals $630,649
    All other loans & leases $35,867
    Loans to foreign governments and official institutions $0
    Other loans $24,346
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,646
    Loans secured by real estate to non-U.S. addressees $647
    Restructured Loans & leases $13,793
    Non 1-4 family restructured loans & leases $2,328
    Total loans and leases (foreign) $0

    NBT Bank had $7,390,004,000 of loans outstanding in 2020. $4,403,261,000 of loans were in real estate loans. $144,114,000 of loans were in development loans. $633,706,000 of loans were in multifamily mortgage loans. $1,958,881,000 of loans were in 1-4 family mortgage loans. $45,663,000 of loans were in farm loans. $0 of loans were in credit card loans. $892,105,000 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 1,566 $315,325 $201,357
    Nonfarm, nonresidential loans - <$100k 245 $8,743 $35,686
    Nonfarm, nonresidential loans - $100-250k 585 $63,747 $108,969
    Nonfarm, nonresidential loans - $250k-1MM 736 $242,835 $329,939
    Commercial & Industrial, US addressed loans - <$1MM 6,626 $497,742 $75,120
    Commercial & Industrial, US addressed loans - <$100k 4,674 $111,054 $23,760
    Commercial & Industrial, US addressed loans - $100-250k 962 $96,376 $100,183
    Commercial & Industrial, US addressed loans - $250k-1MM 990 $290,312 $293,244
    Farmland loans - <$1MM 195 $17,352 $88,985
    Farmland loans - <$100k 48 $1,594 $33,208
    Farmland loans - $100-250k 95 $8,340 $87,789
    Farmland loans - $250k-1MM 52 $7,418 $142,654
    Agriculture operations loans - <$1MM 451 $20,098 $44,563
    Agriculture operations loans - <$100k 294 $6,234 $21,204
    Agriculture operations loans - $100-250k 102 $7,130 $69,902
    Agriculture operations loans - $250k-1MM 55 $6,734 $122,436