Side-by-side · Q2 2026 data
The Delaware National Bank of Delhi vs NBT Bank, National Association
Metric by metric
| Measure | The Delaware National Bank of Delhi | NBT Bank, National Association |
|---|---|---|
| TellerScore | 63 | 64 (stronger) |
| Capital cushion | 46 (stronger) | 45 |
| Loan quality | 80 | 82 (stronger) |
| Earnings | 52 | 68 (stronger) |
| Funding & liquidity | 64 (stronger) | 44 |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 24th | 46th |
| Total assets | $384.1M | $16.1B |
| Deposits / shares | $348.6M | $13.7B |
| Capital ratio | 9.61% (stronger) | 9.49% |
| Problem loans | 0.60% | 0.55% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.16% |
| Return on assets | 0.80% | 1.21% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 85.8% |
| Uninsured deposits | 32.3% (stronger) | 42.5% |
| Offices | 4 | 174 |
| 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), The Delaware National Bank of Delhi leads on 4 and NBT Bank, National Association on 3. 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.
Where both have branches
- Hobart, NY
- Margaretville, NY