BlastPoint's Banking Scorecard
NBT Bank, National Association
Mid-Market
Specialty: Commercial
NY
FDIC cert 7230
Norwich, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
NBT Bank, National Association shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.9B
+16.1% YoY
-0.8% QoQ
|
+$5.4B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$11.5B
+16.2% YoY
+0.0% QoQ
|
+$4.3B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$13.6B
+15.8% YoY
-1.1% QoQ
|
+$5.1B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
1.06%
+4.0% YoY
+11.6% QoQ
|
-0.10% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.78%
+10.7% YoY
+1.0% QoQ
|
+0.38% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
60.43%
-2.2% YoY
-2.3% QoQ
|
+3.82% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.45%
-13.8% YoY
-3.2% QoQ
|
-0.23% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
84.07%
+0.3% YoY
+1.2% QoQ
|
-1.40% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
7.57%
-6.7% YoY
+1.3% QoQ
|
-13.06% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-13.3% YoY
-2.2% QoQ
|
-0.17% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.92%
+1.1% YoY
+2.1% QoQ
|
-1.63% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.78%
-1.2% YoY
+37.6% QoQ
|
-0.17% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Total Deposits
Current: $13.6B · Tier avg: $8.5B
83
83th pctile
Total Loans
Current: $11.5B · Tier avg: $7.1B
83
83th pctile
Total Assets
Current: $15.9B · Tier avg: $10.5B
68
68th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.40%
64
64th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.96%
62
62th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.68%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
43
43th pctile
Loan-to-Deposit Ratio
Current: 84.07% · Tier avg: 85.47%
41
41th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
34
34th pctile
Efficiency Ratio
Current: 60.43% · Tier avg: 56.60%
30
30th pctile
Tier 1 Capital Ratio
Current: 11.92% · Tier avg: 13.55%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 7.57% · Tier avg: 20.64%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 7.57% · Tier avg: 20.64%
30
30th pctile
Tier 1 Capital Ratio
Current: 11.92% · Tier avg: 13.55%
34
34th pctile
Efficiency Ratio
Current: 60.43% · Tier avg: 56.60%
41
41th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
43
43th pctile
Loan-to-Deposit Ratio
Current: 84.07% · Tier avg: 85.47%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.68%
64
64th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.96%
68
68th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.40%
83
83th pctile
Total Assets
Current: $15.9B · Tier avg: $10.5B
83
83th pctile
Total Loans
Current: $11.5B · Tier avg: $7.1B
85
85th pctile
Total Deposits
Current: $13.6B · Tier avg: $8.5B