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Regulatory profile
Norwich, NY · FDIC certificate #7230 · RSSD 702117
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$10B–$50B asset cohort · 112 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Period-matched peer context
Percentiles use 107 verified constituents for the same filing period.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $16.1B | $13.7B | $11.7B | 1.21% | 10.45% | 3.79% |
| 2026-03-31 | $16.1B | $13.9B | $11.4B | 1.18% | 10.23% | 3.76% |
| 2025-12-31 | $15.9B | $13.6B | $11.5B | 1.06% | 9.48% | 3.78% |
| 2025-09-30 | $16.0B | $13.8B | $11.5B | 0.95% | 8.58% | 3.74% |
| 2025-06-30 | $15.9B | $13.8B | $11.5B | 0.77% | 7.00% | 3.66% |
| 2025-03-31 | $13.8B | $11.9B | $9.9B | 1.01% | 9.20% | 3.57% |
| 2024-12-31 | $13.7B | $11.8B | $9.9B | 1.02% | 9.44% | 3.41% |
| 2024-09-30 | $13.7B | $11.8B | $9.8B | 1.01% | 9.28% | 3.36% |
| 2024-06-30 | $13.4B | $11.5B | $9.7B | 0.97% | 8.99% | 3.32% |
| 2024-03-31 | $13.3B | $11.4B | $9.6B | 0.98% | 9.05% | 3.30% |
| 2023-12-31 | $13.2B | $11.1B | $9.5B | 0.95% | 9.09% | 3.49% |
| 2023-09-30 | $13.7B | $11.6B | $9.6B | 0.94% | 9.12% | 3.48% |
| 2023-06-30 | $11.8B | $9.7B | $8.3B | 1.06% | 10.24% | 3.58% |
| 2023-03-31 | $11.8B | $9.8B | $8.2B | 1.11% | 10.65% | 3.70% |
| 2022-12-31 | $11.7B | $9.6B | $8.0B | 1.25% | 11.83% | 3.47% |
| 2022-09-30 | $11.5B | $10.0B | $7.8B | 1.24% | 11.71% | 3.34% |
| 2022-06-30 | $11.6B | $10.1B | $7.7B | 1.22% | 11.40% | 3.17% |
| 2022-03-31 | $12.1B | $10.6B | $7.6B | 1.21% | 11.23% | 2.99% |
| 2021-12-31 | $11.9B | $10.3B | $7.4B | 1.30% | 11.28% | 3.12% |
| 2021-09-30 | $11.9B | $10.3B | $7.5B | 1.34% | 11.45% | 3.09% |
| 2021-06-30 | $11.5B | $9.8B | $7.4B | 1.38% | 11.76% | 3.15% |
| 2021-03-31 | $11.4B | $9.9B | $7.5B | 1.38% | 11.79% | 3.18% |
| 2020-12-31 | $10.8B | $9.1B | $7.4B | 0.98% | 8.23% | 3.41% |
| 2020-09-30 | $10.8B | $9.0B | $7.4B | 0.87% | 7.37% | 3.43% |
| 2020-06-30 | $10.8B | $8.9B | $7.5B | 0.67% | 5.73% | 3.49% |
| 2020-03-31 | $9.9B | $7.9B | $7.2B | 0.39% | 3.31% | 3.54% |
| 2019-12-31 | $9.6B | $7.6B | $7.1B | 1.22% | 10.56% | 3.65% |
| 2019-09-30 | $9.6B | $7.8B | $7.0B | 1.24% | 10.77% | 3.67% |
| 2019-06-30 | $9.6B | $7.6B | $6.9B | 1.20% | 10.53% | 3.68% |
| 2019-03-31 | $9.5B | $7.7B | $6.8B | 1.15% | 10.18% | 3.67% |
| 2018-12-31 | $9.5B | $7.4B | $6.8B | 1.18% | 10.77% | 3.66% |
| 2018-09-30 | $9.5B | $7.5B | $6.8B | 1.16% | 10.70% | 3.63% |
| 2018-06-30 | $9.4B | $7.4B | $6.8B | 1.14% | 10.46% | 3.61% |
| 2018-03-31 | $9.2B | $7.4B | $6.6B | 1.09% | 9.98% | 3.59% |
| 2017-12-31 | $9.1B | $7.2B | $6.5B | 0.90% | 8.22% | 3.51% |
| 2017-09-30 | $9.1B | $7.3B | $6.4B | 0.90% | 8.24% | 3.48% |
| 2017-06-30 | $9.0B | $7.0B | $6.3B | 0.87% | 8.02% | 3.45% |
| 2017-03-31 | $8.9B | $7.2B | $6.2B | 0.81% | 7.43% | 3.44% |
| 2016-12-31 | $8.8B | $7.0B | $6.1B | 0.88% | 8.11% | 3.44% |
| 2016-09-30 | $8.7B | $7.0B | $6.1B | 0.89% | 8.13% | 3.45% |
| 2016-06-30 | $8.6B | $6.8B | $6.0B | 0.88% | 8.05% | 3.45% |
| 2016-03-31 | $8.4B | $6.9B | $5.9B | 0.84% | 7.73% | 3.45% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
NBT BANCORP INC.RSSD 1139279 · 1986-06-01 to current
2025-05-03RSSD 292908 → 702117 · code 1
2023-08-12RSSD 821906 → 702117 · code 1
2013-03-09RSSD 814216 → 702117 · code 1
2012-06-09RSSD 3460847 → 702117 · code 1
2006-02-10RSSD 845108 → 702117 · code 1
2001-11-09RSSD 12405 → 702117 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.