| Weiss Ratings |
NBT Bank, National Association
Norwich, NY |
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| Rating | ||||
| Asset Quality Index | 5.90 | |||
| Capitalization Index | 7.50 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 5.30 | |||
| Stability Index | 9.20 | |||
| Company Info |
NBT Bank, National Association
Norwich, NY |
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| FDIC Number | 7230 | |||
| Phone Number | (607) 337-6416 | |||
| Website | www.nbtbank.com | |||
| Asset Quality |
NBT Bank, National Association
Norwich, NY |
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| 1-Year Asset Growth | 16.05% | |||
| 5-Year Asset Growth | 9.30% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.16% | |||
| Non-Performing Assets to Assets | 0.29% | |||
| Non-Performing Loans to Capital | 3.22% | |||
| Non-Performing Loans to Loans | 0.40% | |||
| Balance Sheet |
NBT Bank, National Association
Norwich, NY |
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| Total Assets | 15.88B | |||
| Total Deposits | 13.63B | |||
| Capital and Reserves |
NBT Bank, National Association
Norwich, NY |
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| Capital | 1.85B | |||
| Leverage Ratio | 9.35 | |||
| Loan Loss Reserves to Loans | 1.19% | |||
| Risk-Based Capital Ratio | 13.02 | |||
| Liquidity |
NBT Bank, National Association
Norwich, NY |
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| Hot Money Ratio | 5.58% | |||
| Liquidity Ratio | 8.93% | |||
| Profitability |
NBT Bank, National Association
Norwich, NY |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 160.24M | |||
| Net Interest Spread | 3.68% | |||
| Operating Profit to Average Assets | 1.37% | |||
| Overhead Efficiency Ratio | 62.08% | |||
| Return on Assets | 1.05% | |||
| Return on Equity | 9.46% | |||