| Weiss Ratings |
NBT Bank, National Association
Norwich, NY |
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| Rating | ||||
| Asset Quality Index | 5.80 | |||
| Capitalization Index | 7.30 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 5.00 | |||
| Stability Index | 9.10 | |||
| 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 | 16.51% | |||
| 5-Year Asset Growth | 8.38% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.16% | |||
| Non-Performing Assets to Assets | 0.30% | |||
| Non-Performing Loans to Capital | 3.42% | |||
| Non-Performing Loans to Loans | 0.41% | |||
| Balance Sheet |
NBT Bank, National Association
Norwich, NY |
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| Total Assets | 16.00B | |||
| Total Deposits | 13.79B | |||
| Capital and Reserves |
NBT Bank, National Association
Norwich, NY |
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| Capital | 1.81B | |||
| Leverage Ratio | 9.22 | |||
| Loan Loss Reserves to Loans | 1.20% | |||
| Risk-Based Capital Ratio | 12.77 | |||
| Liquidity |
NBT Bank, National Association
Norwich, NY |
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| Hot Money Ratio | 5.56% | |||
| Liquidity Ratio | 9.94% | |||
| Profitability |
NBT Bank, National Association
Norwich, NY |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 106.18M | |||
| Net Interest Spread | 3.65% | |||
| Operating Profit to Average Assets | 1.25% | |||
| Overhead Efficiency Ratio | 63.47% | |||
| Return on Assets | 0.94% | |||
| Return on Equity | 8.58% | |||