$11.5B
+15.5%y/y
Percentile by value25th percentileby value
FDIC
LNLSGRNB
NBT Bank, National Association
Norwich, New YorkFDIC Cert #7230
OCCEstablished 1856177 branches
Holding company: NBT BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $993M |
| Investor CRE | $1.69B |
| Multifamily | $1.43B |
| Construction | $470M |
| 1–4 family | $3.15B |
| C&I | $1.45B |
| Agriculture | $111M |
| Other | $2.25B |
Loan book
Reported balances and balance-sheet intensity.
$11.4B
+15.5%y/y
Percentile by value25th percentileby value
FDIC
LNLSNET+15.51%
+393.7%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET82.1%
−0.7%y/y
Percentile by value48th percentileby value
FDIC
LNLSNET + DEP70.9%
−1.2%y/y
Percentile by value64th percentileby value
FDIC
LNLSNET + ASSET71.26%
+6.6%y/y
Percentile by value61st percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
224%
+4.9%y/y
Percentile by value65th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC29%
+13.1%y/y
Percentile by value56th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,376points
+9.6%y/y
Peer standing72nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD8.60%
+20.2%y/y
Percentile by value61st percentileby value
FDIC
LNRENROW + LNLSGR14.64%
+0.6%y/y
Percentile by value50th percentileby value
FDIC
LNRENROT + LNLSGR12.53%
+2.5%y/y
Percentile by value39th percentileby value
FDIC
LNCI + LNLSGR