Nbt Bank National Assn (FDIC #7230): Bank Stress & Real-Estate Credit Exposure
Nbt Bank National Assn (FDIC Cert #7230): bank stress 61/100, elevated, STABLE over 7 days; parent NBT BCORP INC.
Nbt Bank National Assn (#7230) lends in 44 counties across 6 states; Nbt Bank National Assn (#7230) reaches 1,315 ZIP codes: New York 32 counties, 960 ZIPs; Pennsylvania 6 counties, 170 ZIPs; New Hampshire 3 counties, 90 ZIPs; Maine 1 county, 38 ZIPs; Massachusetts 1 county, 36 ZIPs; Vermont 1 county, 21 ZIPs.
Nbt Bank National Assn (#7230) largest markets: Erie County, NY (936 branches, 72 ZIPs) (#7230), Ulster County, NY (63 branches, 63 ZIPs) (#7230), Onondaga County, NY (580 branches, 58 ZIPs) (#7230), Oneida County, NY (330 branches, 55 ZIPs) (#7230), St. Lawrence County, NY (216 branches, 54 ZIPs) (#7230), Orange County, NY (52 branches, 52 ZIPs) (#7230).
Nbt Bank National Assn (#7230) reports $16.09 billion in total assets; Nbt Bank National Assn (#7230) equity $1.86 billion (11.6% of Nbt Bank National Assn (#7230) assets); Nbt Bank National Assn (#7230) domestic deposits $13.68 billion; Nbt Bank National Assn (#7230) net income $96.8 million; Nbt Bank National Assn (#7230) return on assets 1.21%; Nbt Bank National Assn (#7230) return on equity 10.45%; Nbt Bank National Assn (#7230) net interest income $275.8 million; Nbt Bank National Assn (#7230) call report June 30, 2026.
Nbt Bank National Assn (#7230) noncurrent real-estate loans 0.04% of its book; Nbt Bank National Assn (#7230) multifamily 0.02%; Nbt Bank National Assn (#7230) residential 0.13%; Nbt Bank National Assn (#7230) net charge-offs on real estate 0.64%; Nbt Bank National Assn (#7230) multifamily charge-offs 0.73%; Nbt Bank National Assn (#7230) residential charge-offs 0.67%.
Nbt Bank National Assn (#7230) net interest margin 3.79% against an eight-quarter Nbt Bank National Assn (#7230) average of 3.63% (Nbt Bank National Assn (#7230) compression -0.16 points); Nbt Bank National Assn (#7230) real-estate loans 4.4% of equity; Nbt Bank National Assn (#7230) non-residential real estate 67.0% of equity; Nbt Bank National Assn (#7230) rate-exposure score 40/100, Nbt Bank National Assn (#7230) fixed-rate trap 40/100; Nbt Bank National Assn (#7230) risk type credit driven; Nbt Bank National Assn (#7230) rate regime rates elevated, Nbt Bank National Assn (#7230) snapshot October 19, 2026.
Nbt Bank National Assn (#7230) stress score moved from 60 on June 22, 2026 to 60.9 on October 19, 2026; Nbt Bank National Assn (#7230) ranged 60 to 60.9 over 116 snapshots.
Nbt Bank National Assn (#7230) alerts: 40 counties; top Nbt Bank National Assn (#7230) alert scores: Schenectady County, NY 47 (moderate); Rensselaer County, NY 40 (moderate); Herkimer County, NY 37 (moderate); Oneida County, NY 34 (low); Concord County, NY 22 (low).