The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 17 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in New York

Yes. NBT Bank, National Association is an FDIC-insured institution (FDIC certificate #7230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.5% of deposits ($5.8B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.89% (benchmark: 10%).

Check how much of your own balance is covered

NBT Bank, National Association lists 174 offices in 150 cities across 7 states. Most locations:

• Buffalo, NY (3)
• Fairport, NY (3)
• Norwich, NY (3)
• Albany, NY (2)
• Binghamton, NY (2)
• Cooperstown, NY (2)
• Cortland, NY (2)
• Gloversville, NY (2)
• Great Barrington, MA (2)
• Johnson City, NY (2)
• Lake Placid, NY (2)
• Oneida, NY (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 127 consumer complaints about NBT BANCORP INC. to the company (57 in the last 12 months). 100.0% received a timely response. That is 9.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, NBT Bank, National Association reported 4,108 home-loan applications under HMDA (LEI 5493009BOQDC6PCFR785): 2,741 originated ($626,375,000 total), 914 denied, and 207 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

NBT Bank, National Association

Former names

The National Bank and Trust Company of Norwich; The National Bank and Trust Company

Type

National bank

FDIC certificate #

7230

RSSD ID

702117

Primary regulator

OCC

Holding company

Nbt Bcorp Inc

Established

March 3, 1856

Headquarters

52 S Broad St, Norwich, NY 13815

Website

www.nbtbank.com

Employees

1,976