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
  • Complaints
  • 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 loans. Nbt Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Portland, Syracuse, Utica, Albany, and Scranton among others. We have data for 49 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Nbt Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nbt Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.40% 4/28/24
    30 Year Conventional Purchase 6.18% 4/28/24
    30 Year Conventional Refi 6.15% 4/28/24
    30 Year Cash-out Refi 6.22% 4/28/24
    30 Year FHA Purchase 7.21% 4/28/24
    30 Year USDA Purchase 6.59% 4/28/24
    15 Year Conventional Purchase 5.71% 4/28/24
    15 Year Conventional Refi 5.76% 4/28/24
    15 Year Cash-out Refi 5.76% 4/28/24
    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

    2,498

    Origination Dollar Volume (All Markets)

    $704,360,000

    Employee count

    1,502 Show all (17) 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
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 10 $134,350,000 $13,435,000 $3,566 2.93%
    Outside of Metro Areas 398 $71,750,000 $180,276 $4,016 2.96%
    SYRACUSE, NY (FHA|USDA|VA) 378 $57,980,000 $153,386 $3,505 2.92%
    UTICA-ROME, NY (FHA|USDA|VA) 283 $56,635,000 $200,124 $3,905 2.93%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 157 $50,085,000 $319,013 $4,282 2.96%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 236 $35,180,000 $149,068 $4,031 2.89%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 52 $30,020,000 $577,308 $3,686 3.16%
    ITHACA, NY (FHA|USDA|VA) 10 $28,230,000 $2,823,000 $3,859 2.99%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 28 $23,480,000 $838,571 $4,716 2.77%
    Cortland, NY (FHA|USDA|VA) 126 $16,840,000 $133,651 $3,373 2.89%
    Oneonta, NY (FHA|USDA|VA) 102 $16,450,000 $161,275 $3,925 2.88%
    BINGHAMTON, NY (FHA|USDA|VA) 119 $15,665,000 $131,639 $3,390 2.88%
    GLENS FALLS, NY (FHA|USDA|VA) 58 $15,320,000 $264,138 $4,346 3.14%
    Gloversville, NY (FHA|USDA|VA) 104 $15,130,000 $145,481 $3,944 2.97%
    PITTSFIELD, MA (FHA|USDA|VA) 32 $14,390,000 $449,688 $3,375 3.09%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 31 $13,885,000 $447,903 $4,968 3.16%
    Laconia, NH (FHA|USDA|VA) 5 $12,915,000 $2,583,000 $4,463 3.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 59 $11,645,000 $197,373 $4,451 2.84%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $10,855,000 $1,206,111 $3,349 3.43%
    Plattsburgh, NY (FHA|USDA|VA) 29 $7,745,000 $267,069 $3,933 3.03%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 58 $6,710,000 $115,690 $3,604 2.93%
    Amsterdam, NY (FHA|USDA|VA) 57 $6,695,000 $117,456 $3,493 2.97%
    Malone, NY (FHA|USDA|VA) 33 $6,635,000 $201,061 $4,082 3.02%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $6,615,000 $2,205,000 $7,807 3.32%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 31 $6,585,000 $212,419 $4,376 2.92%
    Keene, NH (FHA|USDA|VA) 15 $6,225,000 $415,000 $4,016 2.87%
    Rutland, VT (FHA|USDA|VA) 12 $5,500,000 $458,333 $4,663 3.00%
    Concord, NH (FHA|USDA|VA) 10 $3,740,000 $374,000 $3,372 3.41%
    Hudson, NY (FHA|USDA|VA) 3 $2,855,000 $951,667 $8,855 2.71%
    Auburn, NY (FHA|USDA|VA) 17 $2,535,000 $149,118 $2,887 2.68%
    Lebanon, NH-VT (FHA|USDA|VA) 5 $2,205,000 $441,000 $4,060 3.34%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $1,200,000 $600,000 $0 3.62%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 5 $1,155,000 $231,000 $4,431 2.77%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $1,010,000 $505,000 $5,988 2.69%
    READING, PA (FHA|USDA|VA) 1 $985,000 $985,000 $9,867 2.88%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $865,000 $865,000 $0 4.10%
    ROCHESTER, NY (FHA|USDA|VA) 2 $790,000 $395,000 $3,485 2.69%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $605,000 $605,000 $3,603 2.38%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $600,000 $300,000 $5,366 3.34%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $455,000 $455,000 $0 3.50%
    KINGSTON, NY (FHA|USDA|VA) 2 $310,000 $155,000 $3,750 2.87%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.42%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $265,000 $265,000 $4,784 3.00%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $255,000 $255,000 $4,065 2.50%
    Barre, VT (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.00%
    Bennington, VT (FHA|USDA|VA) 1 $175,000 $175,000 $6,643 3.25%
    Sayre, PA (FHA|USDA|VA) 2 $160,000 $80,000 $1,888 3.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
    ELMIRA, NY (FHA|USDA|VA) 1 $45,000 $45,000 $3,536 3.38%
    Nbt Bank's top markets include Portland, Syracuse, Utica, Albany, and Scranton among others.

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

    Gouverneur Savings and Loan Association
    Similarity Rank: 30
    SECNY Federal Credit Union
    Similarity Rank: 57
    FIRST NEW YORK
    Similarity Rank: 63
    CFCU Community Credit Union
    Similarity Rank: 90
    N C P D Federal Credit Union
    Similarity Rank: 102
    NORTHERN CREDIT UNION
    Similarity Rank: 117
    Bank of Richmondville
    Similarity Rank: 141
    CROSS VALLEY FEDERAL CREDIT UNION
    Similarity Rank: 159
    COUNTRYSIDE Federal Credit Union
    Similarity Rank: 192
    Geddes Federal Savings and Loan Association
    Similarity Rank: 192

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,749 $629,165,000 $359,728 $3,803 2.90%
    HELOC 682 $65,320,000 $95,777 n/a 3.06%
    FHA 54 $7,550,000 $139,815 $5,598 2.94%
    USDA 10 $1,620,000 $162,000 $4,951 2.95%
    VA 3 $705,000 $235,000 $8,461 2.83%

    For 2021, Nbt Bank's most frequently originated type of loan was Conventional, with 1,749 originations. Their 2nd most popular type was HELOC, with 682 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,063 $438,575,000 $412,582 $3,960 2.99%
    Refi 568 $134,750,000 $237,236 $3,385 2.96%
    Cash Out Refi 407 $81,465,000 $200,160 $4,015 2.75%
    Other 246 $27,910,000 $113,455 $3,652 2.97%
    Home Improvement 214 $21,660,000 $101,215 $3,719 3.03%

    For 2021, Nbt Bank's most frequently cited loan purpose was Home Purchase, with 1,063 originations. The 2nd most popular reason was Refi, with 568 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 906 $178,540,000 $197,064 $3,872 2.98%
    Other 775 $212,335,000 $273,981 $3,906 2.98%
    15 Year 342 $59,970,000 $175,351 $3,371 2.44%
    20 Year 253 $41,955,000 $165,830 $3,655 3.32%
    30+ year 117 $44,165,000 $377,479 $5,720 2.96%
    10 Year 90 $153,510,000 $1,705,667 $3,019 3.12%
    5 Year 15 $13,885,000 $925,667 $0 3.21%

    For 2021, Nbt Bank's most frequently cited loan duration was 30 Year, with 906 originations. The 2nd most popular length was Other, with 775 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 689 $131,195,000 $190,414
    $<1k 661 $124,615,000 $188,525
    $2k-3k 206 $48,990,000 $237,816
    $3k-4k 58 $19,910,000 $343,276
    $4k-5k 19 $6,145,000 $323,421
    $5k+ 18 $6,240,000 $346,667

    Nbt Bank's average total fees were $3,872, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 689 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,545 $261,875,000 $169,498
    3-4% 489 $254,575,000 $520,603
    <2.5% 421 $175,205,000 $416,164
    4-5% 37 $12,065,000 $326,081
    5-6% 3 $305,000 $101,667
    6-7% 3 $335,000 $111,667

    During 2021, Nbt Bank's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,545 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 897 $127,105,000 $141,700 $3,553 2.89%
    $100,000 or less 812 $48,250,000 $59,421 $2,971 2.99%
    $200k-400k 569 $154,515,000 $271,555 $4,474 2.95%
    $400k-600k 112 $52,730,000 $470,804 $5,640 2.96%
    $600k-1MM 59 $43,875,000 $743,644 $5,331 2.97%
    $1MM+ 49 $277,885,000 $5,671,122 $8,262 3.16%

    2021 saw Nbt Bank place emphasis on $100k-200k loans with 897 originations, totaling $127,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 509 $59,065,000 $116,041 $3,582 2.91%
    $100k-150k 472 $82,460,000 $174,703 $4,035 2.86%
    $50k or less 382 $33,820,000 $88,534 $3,288 2.94%
    $75k-100k 381 $57,845,000 $151,824 $3,832 2.90%
    $150k-250k 306 $74,600,000 $243,791 $4,327 2.87%
    $250k+ 199 $76,475,000 $384,296 $4,767 2.87%

    Nbt Bank lent most frequently to those with incomes in the $50k-75k range, with 509 originations. The second most popular income band? $100k-150k, with 472 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 582 $94,560,000 $162,474 $3,763 2.86%
    30-36% 469 $80,285,000 $171,183 $3,833 2.89%
    <20% 249 $40,855,000 $164,076 $3,713 2.88%
    42% 122 $18,170,000 $148,934 $3,875 2.99%
    40% 97 $18,285,000 $188,505 $4,139 2.87%
    41% 97 $15,275,000 $157,474 $3,830 2.88%
    37% 93 $16,595,000 $178,441 $3,712 2.90%
    39% 80 $17,080,000 $213,500 $4,102 2.90%
    36% 80 $13,670,000 $170,875 $3,827 2.92%
    43% 78 $15,000,000 $192,308 $4,200 2.85%
    38% 78 $12,190,000 $156,282 $3,926 2.96%
    44% 76 $13,470,000 $177,237 $4,031 2.92%
    45% 54 $8,850,000 $163,889 $3,987 2.87%
    47% 42 $8,110,000 $193,095 $3,993 2.98%
    46% 39 $6,115,000 $156,795 $4,042 2.78%
    50-60% 31 $5,745,000 $185,323 $4,487 3.06%
    48% 29 $6,455,000 $222,586 $4,370 2.87%
    49% 27 $6,015,000 $222,778 $3,922 2.89%
    >60% 9 $1,685,000 $187,222 $4,286 2.99%

    Nbt Bank lent most frequently to those with DTI ratios of 20-30%, with 582 originations. The next most common DTI ratio? 30-36%, with 469 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 153 $300,055,000 $1,961,144 $0 3.69%
    White 1,826 $292,530,000 $160,203 $3,844 2.91%
    Not provided 451 $96,225,000 $213,359 $3,937 2.86%
    Asian 27 $8,175,000 $302,778 $4,621 2.97%
    Black 25 $3,455,000 $138,200 $3,767 2.85%
    Asian Indian 6 $2,320,000 $386,667 $4,426 2.63%
    Chinese 3 $575,000 $191,667 $3,698 3.04%
    American Indian 3 $425,000 $141,667 $3,354 3.04%
    Vietnamese 1 $315,000 $315,000 $4,854 2.88%
    Korean 1 $145,000 $145,000 $3,981 2.25%
    Other Pacific Islander 2 $140,000 $70,000 $3,582 2.94%

    Approval Rates

    Total approvals of all applications
    79.91%

    Nbt Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.26%

    Nbt Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,498 $704,360,000 $281,970

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,498 $704,360,000 $281,970

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 322 $54,960,000 $170,683 $3,156 2.96%
    40-60% 382 $112,540,000 $294,607 $3,473 2.81%
    60-80% 907 $372,285,000 $410,458 $4,093 2.99%
    80-100% 653 $151,385,000 $231,830 $3,928 2.91%
    Over 100% 3 $795,000 $265,000 $0 3.92%
    Under 20% 231 $12,395,000 $53,658 $2,174 3.08%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    NBT BANCORP INC. Conventional home mortgage Closing on a mortgage 2 66.7%
    NBT BANCORP INC. Conventional home mortgage Incorrect information on your report 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Nbt Bank, National Association 1 Kirkland Ave. Clinton, NY 13323 Full Service B&M $123,490
    Nbt Bank, National Association 1 Madison Street Hamilton, NY 13346 Full Service B&M $131,075
    Nbt Bank, National Association 1 Taft Cornes Shopping Center Williston, VT 5495 Full Service B&M $52,529
    Nbt Bank, National Association 1 West Street Edmeston, NY 13335 Full Service B&M $68,904
    Nbt Bank, National Association 10 North Canal Street Oxford, NY 13830 Full Service B&M $56,166
    Nbt Bank, National Association 1001 James Street Syracuse, NY 13203 Full Service B&M $76,547
    Nbt Bank, National Association 1008 Main Street Newfoundland, PA 18445 Full Service B&M $34,836
    Nbt Bank, National Association 105 Main Street Suite 1 Sharon Springs, NY 13459 Full Service B&M $37,103
    Nbt Bank, National Association 106 Hannford Plaza Amsterdam, NY 12010 Full Service B&M $113,624
    Nbt Bank, National Association 1079 Pennsylvania 390 Mountainhome, PA 18342 Full Service B&M $45,947
    Nbt Bank, National Association 108 Second Street Deposit, NY 13754 Full Service B&M $52,591
    Nbt Bank, National Association 1091 Groton Avenue Extension Cortland, NY 13045 Full Service B&M $77,624
    Nbt Bank, National Association 11 East Main Street Hancock, NY 13783 Full Service B&M $54,829
    Nbt Bank, National Association 110 Main Street South Glens Falls, NY 12803 Full Service B&M $28,015
    Nbt Bank, National Association 1310 North Street Endicott, NY 13760 Full Service B&M $55,096
    Nbt Bank, National Association 114 Village Center Drive Lords Valley, PA 18428 Full Service B&M $42,840
    Nbt Bank, National Association 1148 Erie Boulevard West Rome, NY 13440 Full Service B&M $76,235
    Nbt Bank, National Association 117 State Hwy 320 Norwich, NY 13815 Full Service B&M $21,593
    Nbt Bank, National Association 118 North Main Street Concord, NH 3301 Full Service B&M $1,165
    Nbt Bank, National Association 1187 Mount Cobb Road Mount Cobb, PA 18436 Full Service B&M $33,179
    Nbt Bank, National Association 12 Fremont Street Gloversville, NY 12078 Full Service B&M $89,235
    Nbt Bank, National Association 120 Madison Street, Mony Tower Ii, 18th Floor Syracuse, NY 13202 Limited, Administrative $0
    Nbt Bank, National Association 1230 O'neill Highway Dunmore, PA 18512 Full Service Retail $36,032
    Nbt Bank, National Association 1256 Front Street Binghamton, NY 13901 Full Service B&M $77,798
    Nbt Bank, National Association 126 North Salina Street Syracuse, NY 13202 Full Service B&M $84,098
    Nbt Bank, National Association 13 Division Street Sidney, NY 13838 Full Service B&M $78,411
    Nbt Bank, National Association 130 North Keyser Avenue Scranton, PA 18504 Full Service B&M $80,774
    Nbt Bank, National Association 131 Oriskany Boulevard Whitesboro, NY 13492 Full Service B&M $77,173
    Nbt Bank, National Association 14-18 East Main Street Marathon, NY 13803 Full Service B&M $47,546
    Nbt Bank, National Association 140 Brooklyn Street Carbondale, PA 18407 Full Service B&M $82,072
    Nbt Bank, National Association 142 North Comrie Avenue Johnstown, NY 12095 Full Service B&M $203,469
    Nbt Bank, National Association 1456 Lake Ariel Hwy Lake Ariel, PA 18436 Full Service B&M $46,524
    Nbt Bank, National Association 147 Maple Avenue Hobart, NY 13788 Full Service B&M $62,263
    Nbt Bank, National Association 150 Bank Street Burlington, VT 5401 Full Service B&M $104,605
    Nbt Bank, National Association 156 Robison Street Binghamton, NY 13904 Full Service B&M $116,093
    Nbt Bank, National Association 1572 State Highway 26 South Otselic, NY 13155 Full Service B&M $17,496
    Nbt Bank, National Association 16 Main Street Cherry Valley, NY 13320 Full Service B&M $39,028
    Nbt Bank, National Association 16 West Main Street St. Johnsville, NY 13452 Full Service B&M $51,804
    Nbt Bank, National Association 160 Main Street Oneida, NY 13421 Full Service B&M $75,785
    Nbt Bank, National Association 161 State Route 104 Oswego, NY 13126 Full Service B&M $30,138
    Nbt Bank, National Association 171 North Wilkes Barre Boulevard Wilkes Barre, PA 18702 Full Service B&M $55,905
    Nbt Bank, National Association 182 Main Street Afton, NY 13730 Full Service B&M $61,617
    Nbt Bank, National Association 185 Margaret Street Plattsburgh, NY 12901 Full Service B&M $37,023
    Nbt Bank, National Association 194 Main Street Richfield Springs, NY 13439 Full Service B&M $78,009
    Nbt Bank, National Association 1944 Saranac Avenue Lake Placid, NY 12946 Full Service B&M $96,847
    Nbt Bank, National Association 199 Second Avenue Extension Gloversville, NY 12078 Full Service B&M $128,355
    Nbt Bank, National Association 2 Commons Drive Cooperstown, NY 13326 Full Service B&M $41,888
    Nbt Bank, National Association 2 Commonwealth Avenue Essex Junction, VT 5452 Full Service B&M $39,401
    Nbt Bank, National Association 2 North Main Street Newark Valley, NY 13811 Full Service B&M $44,948
    Nbt Bank, National Association 2 South Main Street Earlville, NY 13332 Full Service B&M $29,333
    Nbt Bank, National Association 2 South Main Street New Berlin, NY 13411 Full Service B&M $47,895
    Nbt Bank, National Association 20 Mohawk Street Canajoharie, NY 13317 Full Service B&M $77,013
    Nbt Bank, National Association 207 State Route 435 Elmhurst Township, PA 18444 Full Service B&M $49,796
    Nbt Bank, National Association 209 Lake Flower Avenue Saranac Lake, NY 12983 Full Service B&M $111,066
    Nbt Bank, National Association 210 West Street Keene, NH 3431 Full Service B&M $69,166
    Nbt Bank, National Association 214 West Harford Street, Unit 1 Milford, PA 18337 Full Service B&M $66,950
    Nbt Bank, National Association 221 Main Street Nashua, NH 3060 Full Service B&M $35,987
    Nbt Bank, National Association 225 Guideboard Road Halfmoon, NY 12065 Full Service B&M $106,328
    Nbt Bank, National Association 242 Quaker Road Queensbury, NY 12804 Full Service B&M $54,567
    Nbt Bank, National Association 2483 Main Street Lake Placid, NY 12946 Full Service B&M $99,195
    Nbt Bank, National Association 264 Main Street Massena, NY 13662 Full Service B&M $79,251
    Nbt Bank, National Association 2670 Main Street Glastonbury, CT 6033 Full Service B&M $1,084
    Nbt Bank, National Association 270 Genesee Street Utica, NY 13502 Full Service B&M $91,156
    Nbt Bank, National Association 271 Main Street Schoharie, NY 12157 Full Service B&M $71,392
    Nbt Bank, National Association 2743 Route 26 Cincinnatus, NY 13040 Full Service B&M $30,506
    Nbt Bank, National Association 2800 Ford Street Extension Ogdensburg, NY 13669 Full Service B&M $30,369
    Nbt Bank, National Association 29 Quaker Lake Road Friendsville, PA 18818 Full Service B&M $31,185
    Nbt Bank, National Association 295 Broadway Saratoga Springs, NY 12866 Full Service B&M $124,670
    Nbt Bank, National Association 2950 Us Highway 11 Whitney Point, NY 13862 Full Service B&M $66,528
    Nbt Bank, National Association 3 Kennedy Drive Archbald, PA 18403 Full Service B&M $71,139
    Nbt Bank, National Association 30 North Main Street Sherburne, NY 13460 Full Service B&M $84,125
    Nbt Bank, National Association 30 West Utica Street Oswego, NY 13126 Full Service B&M $75,954
    Nbt Bank, National Association 305 Main Street Suite 2 Middleburg, NY 12122 Full Service B&M $66,318
    Nbt Bank, National Association 312 Bridge Street Northville, NY 12134 Full Service B&M $104,922
    Nbt Bank, National Association 3121 Vestal Parkway East Vestal, NY 13851 Full Service B&M $183,523
    Nbt Bank, National Association 318 East Grove Street Clarks Green, PA 18411 Full Service B&M $83,623
    Nbt Bank, National Association 331 Main Street Johnson City, NY 13790 Full Service B&M $24,090
    Nbt Bank, National Association 331 State Road North Adams, MA 1247 Full Service B&M $18,066
    Nbt Bank, National Association 3392 State Route 11 Malone, NY 12953 Full Service B&M $39,993
    Nbt Bank, National Association 34 West Main Street Fonda, NY 12068 Full Service B&M $80,865
    Nbt Bank, National Association 36 Public Avenue Montrose, PA 18801 Full Service B&M $68,107
    Nbt Bank, National Association 3711 State Highway 30 Broadalbin, NY 12025 Full Service B&M $72,227
    Nbt Bank, National Association 38-40 Utica Street Hamilton, NY 13346 Limited, Drive-thru $0
    Nbt Bank, National Association 399 East Albany Street Herkimer, NY 13350 Full Service B&M $69,360
    Nbt Bank, National Association 41 Canal Street Fort Plain, NY 13339 Full Service B&M $59,135
    Nbt Bank, National Association 425 Columbia Turnpike Rensselaer, NY 12144 Full Service B&M $20,396
    Nbt Bank, National Association 433 South Main Street West Hartford, CT 6110 Full Service B&M $5,804
    Nbt Bank, National Association 433 State Street Schenectady, NY 12305 Full Service B&M $206,965
    Nbt Bank, National Association 455 Market Street Kingston, PA 18704 Full Service B&M $39,628
    Nbt Bank, National Association 482 Route 3 Plattsburgh, NY 12901 Full Service B&M $99,626
    Nbt Bank, National Association 49 State Route 296 Windham, NY 12496 Full Service B&M $42,499
    Nbt Bank, National Association 4957 Western Turnpike Duanesburg, NY 12056 Full Service B&M $90,000
    Nbt Bank, National Association 5 New Karner Road Guilderland, NY 12084 Full Service B&M $37,806
    Nbt Bank, National Association 5 Park Place Canton, NY 13617 Full Service B&M $52,379
    Nbt Bank, National Association 5 Widgery Wharf, 3rd Floor Portland, ME 4101 Full Service B&M $36,295
    Nbt Bank, National Association 5009 Windsor Dr Bartonsville, PA 18321 Full Service B&M $37,597
    Nbt Bank, National Association 52 South Broad Street Norwich, NY 13815 Full Service B&M $784,565
    Nbt Bank, National Association 5390 West Genesee Street Camillus, NY 13031 Full Service B&M $65,133
    Nbt Bank, National Association 54 North Street, Suite 101 Pittsfield, MA 1201 Full Service B&M $16,941
    Nbt Bank, National Association 54 State Street Albany, NY 12207 Full Service B&M $88,204
    Nbt Bank, National Association 5582 State Hwy 7, Eastside Town Of Oneonta, NY 13820 Full Service B&M $39,127
    Nbt Bank, National Association 5632 State Hwy 12 Norwich, NY 13815 Full Service B&M $9,015
    Nbt Bank, National Association 575 Easton Turnpike Hamlin, PA 18427 Full Service B&M $83,180
    Nbt Bank, National Association 5789 Route 80 Tully, NY 13159 Full Service B&M $96,697
    Nbt Bank, National Association 5910 Pa-92 Kingsley, PA 18826 Full Service B&M $49,333
    Nbt Bank, National Association 609 Merrill Road Pittsfield, MA 1201 Full Service B&M $30,288
    Nbt Bank, National Association 62 Pioneer Street Cooperstown, NY 13326 Full Service B&M $51,856
    Nbt Bank, National Association 65 Main Street Cortland, NY 13045 Full Service B&M $173,963
    Nbt Bank, National Association 6554 State Highway 56 Potsdam, NY 13676 Full Service B&M $52,322
    Nbt Bank, National Association 6563 Weighlock Drive De Witt, NY 13214 Full Service B&M $64,178
    Nbt Bank, National Association 685 Scranton/Carbondale Hwy Eynon, PA 18403 Full Service B&M $41,676
    Nbt Bank, National Association 691 East Main Street Cobleskill, NY 12043 Full Service B&M $97,320
    Nbt Bank, National Association 6930 East Genesee Street Fayetteville, NY 13066 Full Service B&M $66,982
    Nbt Bank, National Association 700 Main Street Great Barrington, MA 1230 Full Service B&M $48,744
    Nbt Bank, National Association 700 North Main Street North Syracuse, NY 13212 Full Service B&M $43,743
    Nbt Bank, National Association 703 Troy-Schenectady Road Latham, NY 12110 Full Service B&M $119,708
    Nbt Bank, National Association 723 Main Street Margaretville, NY 12455 Full Service B&M $78,983
    Nbt Bank, National Association 733 State Hwy 28 Oneonta, NY 13820 Full Service B&M $68,203
    Nbt Bank, National Association 735 Utica St Deruyter, NY 13052 Full Service B&M $8,935
    Nbt Bank, National Association 736 Main Street Dickson City, PA 18519 Full Service B&M $54,266
    Nbt Bank, National Association 7577-79 Jefferson Street Pulaski, NY 13142 Full Service B&M $58,963
    Nbt Bank, National Association 76 Park Street Lee, MA 1238 Full Service B&M $43,266
    Nbt Bank, National Association 80 Canal Street Manchester, NH 3101 Full Service B&M $101,262
    Nbt Bank, National Association 80 South Chenango Street Greene, NY 13778 Full Service B&M $62,085
    Nbt Bank, National Association 80 Wolf Road Albany, NY 12205 Full Service B&M $108,342
    Nbt Bank, National Association 801 South Main Street Taylor, PA 18517 Full Service B&M $31,268
    Nbt Bank, National Association 8260 Willett Parkway Baldwinsville, NY 13027 Full Service B&M $70,866
    Nbt Bank, National Association 8270 Cazenovia Road Rte 92 Manlius, NY 13104 Full Service B&M $53,621
    Nbt Bank, National Association 841 Main Street New Milford, PA 18834 Full Service B&M $50,947
    Nbt Bank, National Association 853 Black River Boulevard Rome, NY 13440 Full Service B&M $100,498
    Nbt Bank, National Association 8549 Seneca Turnpike New Hartford, NY 13413 Full Service B&M $176,813
    Nbt Bank, National Association 86 Glen Street Glens Falls, NY 12801 Full Service B&M $45,952
    Nbt Bank, National Association 9 North Main Street Bainbridge, NY 13733 Full Service B&M $38,671
    Nbt Bank, National Association 9556 Main Street Brewerton, NY 13029 Full Service B&M $22,296
    Nbt Bank, National Association 99 Pa 940 Mount Pocono, PA 18344 Full Service B&M $24,603
    Nbt Bank, National Association One Wall Street Oneonta, NY 13820 Full Service B&M $100,438
    Nbt Bank, National Association Route 11 And Mountain View Plaza Great Bend, PA 18821 Full Service B&M $30,947
    Nbt Bank, National Association Route 3 West Fulton, NY 13069 Full Service B&M $22,045
    Nbt Bank, National Association Route 5 And Route 46 Oneida, NY 13421 Full Service B&M $71,856
    Nbt Bank, National Association Route 5 And Stroud Street Canastota, NY 13032 Full Service B&M $59,809
    Nbt Bank, National Association Routes 8 And 30 Speculator, NY 12164 Full Service B&M $47,385
    Nbt Bank, National Association Rte 23 & 30 Grand Gorge, NY 12434 Full Service B&M $52,655

    For 2021, Nbt Bank had 142 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $339,875
    Net interest income $328,615
    Total noninterest income $108,829
    Gross Fiduciary activities income $21,311
    Service charges on deposit accounts $15,195
    Trading account gains and fees $0
    Additional Noninterest Income $72,323
    Pre-tax net operating income $193,945
    Securities gains (or losses, -) $23
    Income before extraordinary items $149,933
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $149,933
    Minority interest net income $0
    Net income $149,933
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $149,914

    Nbt Bank's gross interest income from loans was $339,875,000.
    Nbt Bank's net interest income from loans was $328,615,000.
    Nbt Bank's fee based income from loans was $15,195,000.
    Nbt Bank's net income from loans was $149,933,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,260
    Provision for credit losses $-8,257
    Total noninterest expense $251,756
    Salaries and employee benefits $137,226
    Premises and equipment expense $40,150
    Additional noninterest expense $74,380
    Applicable income taxes $44,035
    Net charge-offs $9,743
    Cash dividends $112,900

    Nbt Bank's interest expense for loans was $11,260,000.
    Nbt Bank's payroll and benefits expense were $137,226,000.
    Nbt Bank's property, plant and equipment expenses $40,150,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $10,337,565
    Deposits held in domestic offices $10,337,565
    Deposits by Individuals, partnerships, and corporations $8,967,133
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $1,370,367
    Deposits by Commercial banks and other depository institutions in U.S. $64
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,019,066
    Demand deposits $799,619
    Nontransaction accounts $9,318,499
    Money market deposit accounts (MMDAs) $7,059,777
    Other savings deposits (excluding MMDAs) $1,757,249
    Total time deposits $501,474
    Total time and savings deposits $9,537,946
    Noninterest-bearing deposits $799,619
    Interest-bearing deposits $9,537,946
    Retail deposits $10,165,208
    IRAs and Keogh plan accounts $116,964
    Brokered deposits $100,015
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $11,919,970
    Cash & Balances due from depository institutions $1,266,284
    Interest-bearing balances $1,108,790
    Total securities $2,426,499
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,407,289
    Loan and leases loss allowance $92,000
    Trading account assets $0
    Bank premises and fixed assets $66,514
    Other real estate owned $167
    Goodwill and other intangibles $254,930
    All other assets $498,287

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $11,919,970
    Total Liabilities $10,603,837
    Total deposits $10,337,565
    Interest-bearing deposits $9,537,946
    Deposits held in domestic offices $10,337,565
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $97,795
    Trading liabilities $0
    Other borrowed funds $13,995
    Subordinated debt $0
    All other liabilities $154,482

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,407,289
    Loan and leases loss allowance $92,000
    Total loans and leases (domestic) $7,499,289
    All real estate loans $4,601,480
    Real estate loans in domestic offices $4,601,480
    Construction and development loans $200,543
    Residential 1-4 family construction $40,565
    Other construction, all land development and other land $159,978
    Loans secured by nonfarm nonresidential properties $1,651,801
    Nonfarm nonresidential secured by owner-occupied properties $552,026
    Commercial real estate & other non-farm, non-residential $1,099,775
    Multifamily residential real estate $690,278
    1-4 family residential loans $1,995,928
    Farmland loans $62,930
    Loans held in foreign offices $0
    Farm loans $47,750
    Commercial and industrial loans $1,167,078
    To non-U.S. addressees $0
    Loans to individuals $1,665,917
    Credit card loans $0
    Related Plans $19,375
    Consumer Auto Loans $826,508
    Other loans to individuals $820,034
    All other loans & leases $17,065
    Loans to foreign governments and official institutions $0
    Other loans $7,660
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $7,681
    Loans secured by real estate to non-U.S. addressees $624
    Restructured Loans & leases $12,575
    Non 1-4 family restructured loans & leases $1,724
    Total loans and leases (foreign) $0

    NBT Bank had $7,407,289,000 of loans outstanding in 2021. $4,601,480,000 of loans were in real estate loans. $200,543,000 of loans were in development loans. $690,278,000 of loans were in multifamily mortgage loans. $1,995,928,000 of loans were in 1-4 family mortgage loans. $47,750,000 of loans were in farm loans. $0 of loans were in credit card loans. $826,508,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,482 $305,796 $206,340
    Nonfarm, nonresidential loans - <$100k 224 $8,607 $38,424
    Nonfarm, nonresidential loans - $100-250k 557 $60,951 $109,427
    Nonfarm, nonresidential loans - $250k-1MM 701 $236,238 $337,001
    Commercial & Industrial, US addressed loans - <$1MM 5,182 $363,694 $70,184
    Commercial & Industrial, US addressed loans - <$100k 3,764 $76,627 $20,358
    Commercial & Industrial, US addressed loans - $100-250k 679 $64,845 $95,501
    Commercial & Industrial, US addressed loans - $250k-1MM 739 $222,222 $300,706
    Farmland loans - <$1MM 172 $14,757 $85,797
    Farmland loans - <$100k 40 $1,160 $29,000
    Farmland loans - $100-250k 88 $7,178 $81,568
    Farmland loans - $250k-1MM 44 $6,419 $145,886
    Agriculture operations loans - <$1MM 444 $17,746 $39,968
    Agriculture operations loans - <$100k 313 $6,367 $20,342
    Agriculture operations loans - $100-250k 88 $6,205 $70,511
    Agriculture operations loans - $250k-1MM 43 $5,174 $120,326