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NBT Bank, National Association
Norwich, NY·FDIC Cert #7230·Charter: OCC·Est. 18560303.0·HC: NBT BCORP INC
Total Assets
$15.9B
Q4 2025
Return on Assets
1.06%
+0.11%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.43%
Peer avg: 54.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.06%+0.11
ROE
9.48%+0.90
Efficiency
60.43%-1.44
Equity/Assets
0.00%+0.00
NPL Ratio
0.45%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.07%+0.97
Charge-offs
0.16%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 0.8 | 1.0 | 1.1 |
| ROE | 9.1 | 9.0 | 9.3 | 9.4 | 9.2 | 7.0 | 8.6 | 9.5 |
| Efficiency | 63.0 | 61.3 | 61.3 | 61.8 | 61.3 | 64.5 | 61.9 | 60.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.5 | 0.5 | 0.4 | 0.5 | 0.5 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 84.1 | 84.9 | 83.0 | 83.8 | 82.7 | 83.5 | 83.1 | 84.1 |
Balance Sheet
Total Assets$15.9B
Total Deposits$13.6B
Total Loans$11.5B
Total Equity$1.8B
Profitability
ROA1.06%
ROE9.48%
Efficiency Ratio60.43%
Net Income$160.2M
Risk & Asset Quality
NPL Ratio0.45%
Charge-off Rate0.16%
Loan/Deposit84.07%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans