Side-by-side · Q2 2026 data
NBT Bank, National Association vs The Upstate National Bank
Metric by metric
| Measure | NBT Bank, National Association | The Upstate National Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 63 |
| Capital cushion | 45 | 52 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 68 (stronger) | 23 |
| Funding & liquidity | 44 | 50 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 46th | 24th |
| Total assets | $16.1B | $294.8M |
| Deposits / shares | $13.7B | $208.8M |
| Capital ratio | 9.49% | 10.19% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.16% | -0.00% (stronger) |
| Return on assets | 1.21% (stronger) | 0.07% |
| Loans ÷ deposits | 85.8% (stronger) | 110.3% |
| Uninsured deposits | 42.5% | 10.2% (stronger) |
| Offices | 174 | 3 |
| 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 63). On the 7 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 3 and The Upstate National Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.