BDI
NB

NBT Bank, National Association

Norwich, New YorkFDIC Cert #7230

OCCEstablished 1856177 branches

Holding company: NBT BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.37%
+25.9%y/y
Peer standing47th percentile
Peer standing in asset:gte_10b
FDICP3ASSET + LNLSGR
90+ %
0.03%
+1.4%y/y
Peer standing47th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.50%
+11.8%y/y
Peer standing60th percentile
Peer standing in asset:gte_10b
FDICNAASSET + LNLSGR
Noncurrent %
0.53%
+11.2%y/y
Peer standing67th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.38%
+9.2%y/y
Peer standing64th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$61.3M
+27.7%y/y
Peer standing78th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.18%
−33.4%y/y
Peer standing49th percentile
Peer standing in asset:gte_10b
FDICNTLNLS + LNLSGR
NCO
$4.98M
−24.1%y/y
Peer standing58th percentile
Peer standing in asset:gte_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.20%
+2.5%y/y
Percentile by value53rd percentileby value
Peer standing in asset:gte_10b
FDICLNATRES + LNLSGR
30–89
$42.5M
+45.4%y/y
Peer standing65th percentile
Peer standing in asset:gte_10b
FDICP3ASSET
90+
$3.35M
+17.1%y/y
Peer standing53rd percentile
Peer standing in asset:gte_10b
FDICP9ASSET
Nonaccrual
$57.9M
+29.2%y/y
Peer standing73rd percentile
Peer standing in asset:gte_10b
FDICNAASSET