Total Assets
$16.1B
Total Deposits
$13.7B
Branches
177
Established
1856
NBT Bank, National Association is a bank headquartered in Norwich, New York, established in 1856. It holds $16.1B in total assets across 177 branch locations. In our editorial opinion, based on public FDIC/NCUA data, NBT Bank, National Association earns a TFS Financial Health Grade of B (77.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
77.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| NBT Bank, National AssociationHQ | 52 S Broad St | Norwich | NY | 11 |
| NBT Bank, National Association | 100 Main St | Canaan | CT | 11 |
| NBT Bank, National Association | 2670 Main St | Glastonbury | CT | 11 |
| NBT Bank, National Association | 5 Bissell St | Lakeville | CT | 11 |
| NBT Bank, National Association | 18 Main St | Salisbury | CT | 11 |
| NBT Bank, National Association | 5 Gay St | Sharon | CT | 11 |
| NBT Bank, National Association | 68 S Main St | West Hartford | CT | 11 |
| NBT Bank, National Association | 210 Main St | Great Barrington | MA | 11 |
| NBT Bank, National Association | 700 Main St | Great Barrington | MA | 11 |
| NBT Bank, National Association | 76 Park St | Lee | MA | 11 |
| NBT Bank, National Association | 331 State Rd | North Adams | MA | 11 |
| NBT Bank, National Association | 75 North Street | Pittsfield | MA | 11 |
| NBT Bank, National Association | 609 Merrill Rd | Pittsfield | MA | 11 |
| NBT Bank, National Association | 640 N Main St | Sheffield | MA | 11 |
| NBT Bank, National Association | 51 Main St | South Egremont | MA | 11 |
| NBT Bank, National Association | 5 Widgery Wharf Fl 3 | Portland | ME | 11 |
| NBT Bank, National Association | 118 N Main St | Concord | NH | 11 |
| NBT Bank, National Association | 210 West St | Keene | NH | 11 |
| NBT Bank, National Association | 80 Canal St | Manchester | NH | 11 |
| NBT Bank, National Association | 221 Main St | Nashua | NH | 11 |
| NBT Bank, National Association | 182 Main St | Afton | NY | 11 |
| NBT Bank, National Association | 54 State St | Albany | NY | 11 |
| NBT Bank, National Association | 80 Wolf Rd | Albany | NY | 11 |
| NBT Bank, National Association | 3388 Sheridan Dr | Amherst | NY | 11 |
| NBT Bank, National Association | 106 Hannford Plaza | Amsterdam | NY | 11 |
| NBT Bank, National Association | 8599 Erie Rd | Angola | NY | 11 |
| NBT Bank, National Association | 9 N Main St | Bainbridge | NY | 11 |
| NBT Bank, National Association | 8260 Willett Pkwy | Baldwinsville | NY | 11 |
| NBT Bank, National Association | 1256 Front St | Binghamton | NY | 11 |
| NBT Bank, National Association | 156 Robison Street | Binghamton | NY | 11 |
| NBT Bank, National Association | 7205 Boston State Road | Boston | NY | 11 |
| NBT Bank, National Association | 9556 Brewerton Rd | Brewerton | NY | 11 |
| NBT Bank, National Association | 3711 State Highway 30 | Broadalbin | NY | 11 |
| NBT Bank, National Association | 419 Monroe St | Buffalo | NY | 11 |
| NBT Bank, National Association | 2670 Delaware Ave | Buffalo | NY | 11 |
| NBT Bank, National Association | 925 Elmwood Ave | Buffalo | NY | 11 |
| NBT Bank, National Association | 5390 W Genesee St | Camillus | NY | 11 |
| NBT Bank, National Association | 20 Mohawk St | Canajoharie | NY | 11 |
| NBT Bank, National Association | 3273 Seneca Tpke | Canastota | NY | 11 |
| NBT Bank, National Association | 5 Park Pl | Canton | NY | 11 |
| NBT Bank, National Association | 16 Main St | Cherry Valley | NY | 11 |
| NBT Bank, National Association | 2743 Route 26 | Cincinnatus | NY | 11 |
| NBT Bank, National Association | 1 Kirkland Ave | Clinton | NY | 11 |
| NBT Bank, National Association | 691 E Main St | Cobleskill | NY | 11 |
| NBT Bank, National Association | 62 Pioneer St | Cooperstown | NY | 11 |
| NBT Bank, National Association | 2 Commons Dr | Cooperstown | NY | 11 |
| NBT Bank, National Association | 65 Main St | Cortland | NY | 11 |
| NBT Bank, National Association | 1125 State Route 222 | Cortland | NY | 11 |
| NBT Bank, National Association | 4979 Transit Rd | Depew | NY | 11 |
| NBT Bank, National Association | 108 2nd St | Deposit | NY | 11 |
Showing 50 of 177 branches
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
77.7
Tier 1 capital ratio
9.49%
Return on assets
1.21%
Non-performing loans
0.55%
Efficiency ratio
57.48%
Asset growth (YoY)
1.16%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.