Nbt Bank, National Association is a bank based in Norwich, New York, established in 1856, with $16.1 billion in total assets across 177 branches. By Trust Grade it ranks 29th of 118 banks we track in New York. Its capital ratio of 11.5% is stronger than 54% of similarly sized banks, versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.18% return on assets. No consumer complaints against Nbt Bank, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Nbt Bank, National Association compares to New York peers
How we graded Nbt Bank, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.5% capital ratio)
- Strongly profitable (ROA 1.18%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Nbt Bank, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (177)
- 5 Bissell St, Lakeville, CT 06039
- 100 Main St, Canaan, CT 06018
- 76 Park St, Lee, MA 01238
- 5 Gay St, Sharon, CT 06069
- 51 Main St, South Egremont, MA 01258
- 25 Main St, Forestville, NY 14062
- 5999 S Park Ave, Hamburg, NY 14075
- 938 Union Rd, West Seneca, NY 14224
- 16 Main St, Cherry Valley, NY 13320
- 4957 Western Tpke, Duanesburg, NY 12056
- 34 W Main St, Fonda, NY 12068
- 305 Main St, Middleburgh, NY 12122
- 16 W Main St, St. Johnsville, NY 13452
- 105 Main St, Sharon Springs, NY 13459
- 691 E Main St, Cobleskill, NY 12043
- 41 Canal St, Fort Plain, NY 13339
- 194 Main St, Richfield Springs, NY 13439
- 271 Main St, Schoharie, NY 12157
- 142 N Comrie Ave, Johnstown, NY 12095
- 2 Commons Dr, Cooperstown, NY 13326
- 106 Hannford Plaza, Amsterdam, NY 12010
- 1148 Erie Blvd W, Rome, NY 13440
- 2743 Route 26, Cincinnatus, NY 13040
- 1125 State Route 222, Cortland, NY 13045
- 14-18 East Main Street, Marathon, NY 13803
- 5789 Route 80, Tully, NY 13159
- 312 Bridge St, Northville, NY 12134
- 199 2nd Ave, Gloversville, NY 12078
- 3711 State Highway 30, Broadalbin, NY 12025
- 6554 State Highway 56, Potsdam, NY 13676
- 5 Park Pl, Canton, NY 13617
- 264 Main St, Massena, NY 13662
- 3392 State Route 11, Malone, NY 12953
- 182 Main St, Afton, NY 13730
- 9 N Main St, Bainbridge, NY 13733
- 2 S Main St, Earlville, NY 13332
- 60814 State Highway 30, Grand Gorge, NY 12434
- 723 Main St, Margaretville, NY 12455
- 2 S Main St, New Berlin, NY 13411
- 30 N Main St, Sherburne, NY 13460
Are deposits at Nbt Bank, National Association insured?
Yes. Nbt Bank, National Association is an FDIC-insured bank (FDIC certificate #7230). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Nbt Bank, National Association: frequently asked questions
Is Nbt Bank, National Association a good bank?
Nbt Bank, National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.5% capital ratio); Strongly profitable (ROA 1.18%).
Is Nbt Bank, National Association FDIC-insured?
Yes. Nbt Bank, National Association is a FDIC-insured bank (FDIC certificate #7230). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Nbt Bank, National Association?
Nbt Bank, National Association holds $16.1 billion in total assets, ranking 29th of 118 banks we track in New York. It operates 177 branches.
Does Nbt Bank, National Association have CFPB complaints?
No CFPB complaints against Nbt Bank, National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
