NBT BANK NATIONAL ASSN
NORWICH, NEW YORK · FDIC Cert #7230
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.
Frequently Asked Questions
NBT BANK NATIONAL ASSN has a Bank Health Score of B (75/100). 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.
NBT BANK NATIONAL ASSN holds $13.4B in total assets and $11.5B in total deposits. It is located 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." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.