TellerScore

Side-by-side · Q2 2026 data

Community Bank, National Association vs NBT Bank, National Association

Bank

Community Bank, National Association

Canton, New York · $10 billion – $100 billion

62of 100
Moderate

Bank

NBT Bank, National Association

Norwich, New York · $10 billion – $100 billion

64of 100
Moderate

Metric by metric

MeasureCommunity Bank, National AssociationNBT Bank, National Association
TellerScore6264 (stronger)
Capital cushion2945 (stronger)
Loan quality83 (stronger)82
Earnings6868
Funding & liquidity66 (stronger)44
Problem-loan coverage9393
Peer percentile35th46th
Total assets$17.4B$16.1B
Deposits / shares$14.9B$13.7B
Capital ratio7.86%9.49% (stronger)
Problem loans0.50% (stronger)0.55%
Net charge-offs0.11% (stronger)0.16%
Return on assets1.19%1.21% (stronger)
Loans ÷ deposits75.3% (stronger)85.8%
Uninsured deposits31.5% (stronger)42.5%
Offices198174
CFPB complaints (3 yrs)106127
Complaints per $1B deposits7.1 (stronger)9.3
Mortgage denial rate (HMDA)18.9%23.4%

NBT Bank, National Association has the higher TellerScore (64 vs 62). On the 8 directional measures above (where higher or lower is clearly better), Community Bank, National Association leads on 5 and NBT Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

Where both have branches

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