Nbt Bank National Assn: Bank Stress & Real-Estate Credit Exposure

At 61/100, Nbt Bank National Assn's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #7230. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

What separates this from a plain credit rating is the geographic weighting — Nbt Bank National Assn's 61/100 reading reflects not just its balance sheet but the 44 counties it lends into, so the score doubles as a map of where its stress will land first. Read against its 44-county reach, a elevated score sets the credit tone for every market on its map. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. No bank is too small to score the same way: Nbt Bank National Assn runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 44-county, 1,315-ZIP profile means exactly what it would for any institution nationwide. Nbt Bank National Assn is held under Nbt Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. County by county, that footprint includes Erie County, NY, Ulster County, NY, Onondaga County, NY, Oneida County, NY, among others DLRadar tracks parcel by parcel. DLRadar maps Nbt Bank National Assn into 44 counties (1,315 ZIP codes) across 6 states — a mid-sized, multi-state lending base. Its heaviest exposure sits in New York (32 counties), Pennsylvania (6 counties), New Hampshire (3 counties), Maine (1 county). The value is in the linkage: Nbt Bank National Assn's elevated reading is mapped onto 1,315 ZIP codes and 44 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

The acquisition angle is simple — lending capacity is what moves deals. As Nbt Bank National Assn tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.