Side-by-side · Q2 2026 data
The First National Bank of Groton vs NBT Bank, National Association
Metric by metric
| Measure | The First National Bank of Groton | NBT Bank, National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 64 |
| Capital cushion | 96 (stronger) | 45 |
| Loan quality | 46 | 82 (stronger) |
| Earnings | 72 (stronger) | 68 |
| Funding & liquidity | 97 (stronger) | 44 |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 72nd | 46th |
| Total assets | $203.9M | $16.1B |
| Deposits / shares | $175.1M | $13.7B |
| Capital ratio | 14.58% (stronger) | 9.49% |
| Problem loans | 1.62% | 0.55% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.16% |
| Return on assets | 1.30% (stronger) | 1.21% |
| Loans ÷ deposits | 59.7% (stronger) | 85.8% |
| Uninsured deposits | 17.9% (stronger) | 42.5% |
| Offices | 2 | 174 |
| CFPB complaints (3 yrs) | — | 127 |
| Complaints per $1B deposits | — | 9.3 |
| Mortgage denial rate (HMDA) | 9.3% | 23.4% |
The First National Bank of Groton has the higher TellerScore (78 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton leads on 6 and NBT Bank, National Association on 1. 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.