NBT Bank, National Association: how it compares with its peers
Against 13 NY banks with half to twice its assets, NBT Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.79% vs. a 2.89% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $17.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 0.98% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 2.89% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.48% | 53.13% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $17.5M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.78% | 88.26% | Context |
What it means for lending operations
Its efficiency ratio of 57.48% is above the 53.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Baroda New York, NY · $16.24B
- Safra National Bank of New York New York, NY · $15.69B
- Dime Commercial Bank Hauppauge, NY · $15.03B
- Popular Bank New York, NY · $15.03B
- Community Bank, National Association Canton, NY · $17.45B
- Israel Discount Bank of New York New York, NY · $14.39B
Questions about NBT Bank, National Association
How big is NBT Bank, National Association?
NBT Bank, National Association, established in 1856, is headquartered in Norwich, NY. It reported $16.09B in total assets in its Q2 2026 FDIC call report and operates 176 offices.
What is NBT Bank, National Association's return on assets?
1.21% annualized in Q2 2026, against a 0.98% median for 13 NY banks with half to twice its assets, ahead of 77% of them.
What is NBT Bank, National Association's efficiency ratio?
57.48% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 53.13%, and lower is better.
Is NBT Bank, National Association growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.