NBT Bank, National Association is headquartered in Norwich, New York. It is a national bank (chartered by the OCC), established 03/03/1856 and insured by the FDIC since 01/01/1934. At the 06/30/2026 reporting date it held $16.1 billion in assets and $13.7 billion in deposits across 176 offices.
Size
By total assets it ranks #122 of 4,213 active FDIC-insured banks in the United States. Among the 115 FDIC-insured banks headquartered in New York it ranks #12.
Capital and earnings
| Equity capital | $1.9 billion (11.6% of assets) |
|---|---|
| Net income, year to date | $97 million through 06/30/2026 |
| Return on assets (annualized) | 1.21% |
Equity capital is what the bank owns after subtracting its liabilities; a higher share of assets means a thicker cushion against losses. These are the bank’s own regulatory filings, not a rating or a recommendation.
Is it FDIC insured?
Yes. NBT Bank, National Association holds FDIC certificate number 7230. Deposits are insured up to $250,000 per depositor, per insured bank, per ownership category. You can confirm this on the bank’s FDIC BankFind page.
Other large banks in New York
- Goldman Sachs Bank USA, $759 billion in assets
- The Bank of New York Mellon, $425 billion in assets
- Morgan Stanley Private Bank, National Association, $250 billion in assets
- Manufacturers and Traders Trust Company, $219 billion in assets
- Flagstar Bank, National Association, $87.7 billion in assets
- Bank of China, $48.5 billion in assets
Banks of a similar size
- Banner Bank, #120, $16.6 billion in assets
- Bank of Baroda, #121, $16.2 billion in assets
- Live Oak Banking Company, #123, $16.0 billion in assets
- Safra National Bank of New York, #124, $15.7 billion in assets
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This page reports regulatory data only. It does not show the bank’s rates or products, which change often and are listed on the bank’s own site. nbtbank.com