Nbt Bank National Assn
Norwich, New York · FDIC Cert #7230
Nbt Bank National Assn is an FDIC-insured bank (Certificate #7230) with $13.4B in total assets and $11.5B in total deposits as of the Q2 2024 Call Report. Headquartered in Norwich, New York, the bank maintains a Tier 1 capital ratio of 11.75% (Well-Capitalized) and a nonperforming loan ratio of 0.39%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Nbt Bank National Assn (FDIC cert 7230) is a large bank with $13.4B in total assets and $11.5B in deposits, headquartered in Norwich, New York. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.75% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.39% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 18.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.25% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Nbt Bank National Assn carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Nbt Bank National Assn
- Total Assets
- $13.4B
- Total Deposits
- $11.5B
- Tier 1 Capital Ratio
- 11.75%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.39%
- Liquidity Ratio
- 18.88%
- Return on Assets
- 1.25%
- Headquarters
- Norwich, New York
- FDIC Certificate
- #7230
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Nbt Bank National Assn holds a Tier 1 capital ratio of 11.75%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Nbt Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Nbt Bank National Assn shows strong financial health indicators. With $13.4B in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Nbt Bank National Assn Compares
Nbt Bank National Assn’s Health Score of 75 is 4 points above the New York state average of 71 across 130 FDIC-insured banks. Its 11.75% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 0.39% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.25% is in line with or above the national ROA benchmark of ~1.1%. Among 129 similarly-sized banks, the average Health Score is 76, meaning this bank ranks below its size cohort. Site-wide, Nbt Bank National Assn is 5 points above the portfolio average of 70.
Frequently Asked Questions
Nbt Bank National Assn has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.75%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Nbt Bank National Assn's Tier 1 capital ratio of 11.75% and nonperforming loan ratio of 0.39% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Nbt Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #7230). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Nbt Bank National Assn holds $13.4B in total assets and $11.5B in total deposits. It is headquartered in Norwich, New York (FDIC Certificate #7230).
Nbt Bank National Assn has a Tier 1 capital ratio of 11.75%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.39%, and the return on assets is 1.25%.
Yes. Nbt Bank National Assn is FDIC-insured (Certificate #7230). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Nbt Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.