Side-by-side · Q2 2026 data
NBT Bank, National Association vs Apple Bank
Metric by metric
| Measure | NBT Bank, National Association | Apple Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 56 |
| Capital cushion | 45 (stronger) | 27 |
| Loan quality | 82 | 85 (stronger) |
| Earnings | 68 (stronger) | 36 |
| Funding & liquidity | 44 | 68 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 46th | 15th |
| Total assets | $16.1B | $19.9B |
| Deposits / shares | $13.7B | $16.1B |
| Capital ratio | 9.49% (stronger) | 7.74% |
| Problem loans | 0.55% | 0.44% (stronger) |
| Net charge-offs | 0.16% | 0.04% (stronger) |
| Return on assets | 1.21% (stronger) | 0.39% |
| Loans ÷ deposits | 85.8% | 85.3% (stronger) |
| Uninsured deposits | 42.5% | 21.0% (stronger) |
| Offices | 174 | 78 |
| CFPB complaints (3 yrs) | 127 | 53 |
| Complaints per $1B deposits | 9.3 | 3.3 (stronger) |
| Mortgage denial rate (HMDA) | 23.4% | 3.2% |
NBT Bank, National Association has the higher TellerScore (64 vs 56). On the 8 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 3 and Apple Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.