Side-by-side · Q2 2026 data
Wayne Bank vs NBT Bank, National Association
Metric by metric
| Measure | Wayne Bank | NBT Bank, National Association |
|---|---|---|
| TellerScore | 53 | 64 (stronger) |
| Capital cushion | 38 | 45 (stronger) |
| Loan quality | 60 | 82 (stronger) |
| Earnings | 59 | 68 (stronger) |
| Funding & liquidity | 47 (stronger) | 44 |
| Problem-loan coverage | 81 | 93 (stronger) |
| Peer percentile | 11th | 46th |
| Total assets | $2.9B | $16.1B |
| Deposits / shares | $2.5B | $13.7B |
| Capital ratio | 8.82% | 9.49% (stronger) |
| Problem loans | 1.21% | 0.55% (stronger) |
| Net charge-offs | 0.17% | 0.16% (stronger) |
| Return on assets | 0.97% | 1.21% (stronger) |
| Loans ÷ deposits | 88.4% | 85.8% (stronger) |
| Uninsured deposits | 37.0% (stronger) | 42.5% |
| Offices | 32 | 174 |
| CFPB complaints (3 yrs) | — | 127 |
| Complaints per $1B deposits | — | 9.3 |
| Mortgage denial rate (HMDA) | 25.8% | 23.4% |
NBT Bank, National Association has the higher TellerScore (64 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Wayne Bank leads on 1 and NBT Bank, National Association on 6. 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
- Cooperstown, NY
- Oneonta, NY
- Milford, PA
- Scranton, PA