Side-by-side · Q2 2026 data
NBT Bank, National Association vs Bank of China
Metric by metric
| Measure | NBT Bank, National Association | Bank of China |
|---|---|---|
| TellerScore | 64 (stronger) | 25 |
| Capital cushion | 45 (stronger) | 0 |
| Loan quality | 82 (stronger) | 46 |
| Earnings | 68 (stronger) | 20 |
| Funding & liquidity | 44 | 45 (stronger) |
| Problem-loan coverage | 93 | — |
| Peer percentile | 46th | 1st |
| Total assets | $16.1B | $48.5B |
| Deposits / shares | $13.7B | $24.7B |
| Capital ratio | 9.49% (stronger) | 0.00% |
| Problem loans | 0.55% (stronger) | 1.63% |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.21% (stronger) | 0.00% |
| Loans ÷ deposits | 85.8% | 71.1% (stronger) |
| Uninsured deposits | 42.5% (stronger) | 54.9% |
| Offices | 174 | 1 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
NBT Bank, National Association has the higher TellerScore (64 vs 25). On the 7 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 5 and Bank of China on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.