NBT Bank, National Association
Norwich, New York — FDIC-insured institution. Figures below are from its most recent quarterly call report.
Institution
FDIC-insured bank subsidiary. Its quarterly call report covers the regulated bank only — it excludes any holding company’s non-bank arms (investment banking, asset management). Source: FDIC BankFind Suite (US-Government public domain).
| Location | Norwich, New York |
| FDIC certificate | 7230 |
| Charter class | National bank (OCC-chartered) |
| Established | 1856-03-03 |
| As of (call report) | 2026-03-31 |
How to read these figures
Net interest margin is what the bank earns on loans and securities minus what it pays for deposits and borrowings, as a share of earning assets. Return on assets and return on equity measure profitability. The efficiency ratio is non-interest expense over revenue — lower is better. The Tier 1 leverage ratio is core capital against average assets, a key gauge of how much loss a bank could absorb.
These come from the bank’s regulatory call report and reflect the FDIC-insured bank subsidiary only. New to these terms? The Oxford Ledge lessons walk through bank financials and credit from the ground up, and all tracked banks are ranked by assets.