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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

NBT Bank National Association

Norwich, New York · $16.09B in assets · beside the 11 other New York banks over $10B

The filing

1.21%
ROA
1st of 8
2.2x
Coverage of noncurrent
1st of 7
+2.1%
Loans, year over year
9th of 12, largest first

NBT Bank National Association is the seventh largest of the 12 New York banks nearest its size over $10B, with $16.09B in assets at 30 June 2026. Loans are 86.8% of deposits, 8th of 12 against a median of 84.8%, and equity is 11.6% of assets, 3rd of 8. Loans grew +2.1% in the year, 9th of 12, and deposits fell 0.6%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.55% of the book, 7th of 12 against a median of 0.53%; 0.61% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 0.16% of loans, 6th of 8. Commercial real estate is 31.1% of loans, 7th of 12 against a median of 30.7%, and 228% of capital, below the 300% screen, with construction at 29% against the 100% screen. CRE has grown +71.2% over 36 months, past the guidance's 50% prong.

Return on assets is 1.21%, the highest in the cohort against a median of 0.98%, on an efficiency ratio of 59.2%, 4th of 8. Five years ago it was 1.36%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsNY banks over $10B · 30 June 2026 · higher is stronger, listed first
median 0.98% NB NBT Bank National Association 1.21% CB Community Bank National Association 1.17% DC Dime Commercial Bank 1.00% PB Popular Bank 0.98% DB Deutsche Bank Trust Co. Americas 0.98% SN Safra National Bank of New York 0.97% ID Israel Discount Bank of NY 0.75% AB Apple Bank 0.39%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% SN Safra National Bank of New York +24.8% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% ID Israel Discount Bank of NY +3.9% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7%

SBA 7(a), FY2008 to FY2026

NBT Bank National Association is the 18th largest 7(a) lender into New York of 402, with $244M across 1,267 loans, 1.3% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 33 of its 74 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Erie, NY$91M3rd of 9410.6%-3.7 pts
Onondaga, NY$18M6th of 904.0%-1.7 pts
Saratoga, NY$15M5th of 587.1%-1.0 pts
Hillsborough, NH$13M11th of 1172.7%+0.2 pts
Oneida, NY$12M4th of 488.1%-5.7 pts
Warren, NY$10M3rd of 459.6%thin
Niagara, NY$8M3rd of 446.2%-3.6 pts
Broome, NY$8M4th of 495.9%-8.4 pts
Chittenden, VT$8M7th of 583.0%-3.5 pts
Rensselaer, NY$8M4th of 407.5%-18.4 pts
Albany, NY$8M9th of 762.3%+0.9 pts
Cheshire, NH$7M4th of 418.8%-17.7 pts
Otsego, NY$7M1st of 2118.6%-3.6 pts
61 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing169$45M14.2%0.11%164th of 2,246
Retail trade236$42M13.2%0.07%205th of 2,589
Professional & technical services149$38M12.1%0.12%118th of 1,955
Accommodation & food services210$37M11.7%0.05%263rd of 2,596
Construction160$36M11.3%0.11%145th of 2,063
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and NBT Bank National Association
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans NB NBT Bank, National Association 1.3% $244M · 1,267 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
NBT Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen228%4th of 8239%
Construction against capital, the 100% screen29%6th of 815%
Construction and land development, share of loans4.0%8th of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loans14.5%3rd of 818.5%
Total CRE, the guidance definition, share of loans31.1%7th of 1230.7%
CRE growth over 36 months, the third prong+71.2%9th of 10+18.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
NBT Bank National AssociationCohort median
20212026Change20212026Change
Loans$7.52B$11.87B+58%$7.81B$11.53B+48%
Deposits$9.82B$13.68B+39%$9.82B$13.42B+37%
NPA / loans0.57%0.55%-0.02 pts0.60%0.53%-0.07 pts
Efficiency56.8%59.2%+2.4 pts65.7%60.5%-5.2 pts
ROA1.36%1.21%-0.15 pts0.87%0.98%+0.11 pts

This read was prepared for NBT Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on NBT Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.nbtbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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