Vitals
  • Total Assets
    8.8B 7.2 %
  • Total Deposits
    7.0B 5.2 %
  • Total Net Loans
    6.1B 5.4 %
  • Net Income
    75.5M 5.6 %
  • Book Value
    956.1M 6.9 %
  • Book Value x2
    1.9B 6.9 %
  • Book Value x3
    2.9B 6.9 %
ROAA

.889

ROAE

8.114

Efficiency Ratio

59.549

Net Interest Margin

3.458

Balance Sheet Highlights
Financial Highlights Nbt Bank, National Association All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 8,792,872 1,637,033
Total Net Loans 6,132,857 1,047,955
Total Deposits 7,003,515 1,296,950
Total Equity 956,130 187,165
Profitability
Net Income 75,504 13,254
Return on Average Assets .889 .773
Return on Average Equity 8.114 7.506
Net Interest Margin 3.458 3.19
Efficiency Ratio 59.549 65.064
Noninterest Income/Revenue 23.154 18.239
Balance Sheet Ratios
Loan-to-Deposit 87.568 73.986
Securities/Assets .21 .167
Total Equity/Total Assets .109 .114
Tangible Equity/Tangible Assets .079 .109
Capital Adequacy
Tier 1 Common Capital 723,992 154,500
Tier 1 Capital 723,992 155,066
Tier 2 Capital 66,041 9,750
Total Capital 790,033 168,084
Total Risk Weighted Assets 6,725,689 1,138,832
Leverage Ratio 8.59 10.188
Common Equity Tier 1 Capital Ratio 10.76 16.458
Tier 1 Capital Ratio 10.76 16.551
Total Capital Ratio 11.75 17.647

Timeline for Nbt Bank, National Association

Columbia Ridge Management, Inc.

Columbia Ridge Management, Inc. became a new subsidiary organization for Nbt Bank, National Association.

View Profile Dec 01 2016

Alliance Bank, National Association

Acquisition: Nbt Bank, National Association acquired a new subsidiary, Alliance Bank, National Association, 11 years

View Profile Mar 09 2013

Alliance Preferred Funding Corp.

Alliance Preferred Funding Corp. became a new subsidiary organization for Nbt Bank, National Association.

View Profile Mar 09 2013

Alliance Leasing, Inc.

Alliance Leasing, Inc. became a new subsidiary organization for Nbt Bank, National Association.

View Profile Mar 09 2013

Hampshire First Bank

Acquisition: Nbt Bank, National Association acquired a new subsidiary, Hampshire First Bank, 11 years

View Profile Jun 09 2012

Want to see more?

Complete timeline for Nbt Bank, National Association is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Alliance Bank, National Association Seller 1,403,943 Acquisition Discontinued 3/9/2013
Hampshire First Bank Seller 271,784 Acquisition Discontinued 6/9/2012
City National Bank And Trust Company Seller 397,937 Acquisition Discontinued 2/10/2006
Central National Bank, Canajoharie Seller 976,371 Acquisition Discontinued 11/9/2001
The First National Bank Of Northern New York Seller 123,895 Acquisition Discontinued 6/1/2001
Pennstar Bank, National Association Seller 1,126,141 Pooling of Interests Discontinued 3/17/2001
The Bank Of Lake Placid Seller 62,958 Discontinued 10/1/1989
Hayes National Bank Seller 101,314 Discontinued 10/1/1989
The Fulton County National Bank And Trust Company Seller 100,044 Discontinued 10/1/1989
The First National Bank Of Hancock Seller 31,201 Discontinued 10/1/1989
The National Bank Of Oxford Seller 19,942 Discontinued 8/1/1984
First National Bank In Sidney Seller 22,458 Discontinued 12/30/1978
The National Bank Of Hobart Seller 6,058 Discontinued 6/29/1974
The First National Bank Of Newark Valley Seller 10,661 Discontinued 9/29/1973
The Farmers National Bank Of Deposit Seller Discontinued 2/16/1971
Peoples National Bank Of Margaretville Seller Discontinued 9/3/1963
First National Bank Of Afton Seller Discontinued 9/4/1962
Relationships Role Relationship Start Relationship End
Nbt Bancorp Inc. Parent 6/1/1986
La Lease, Inc. Subsidary 6/30/2007
Nbt Capital Corp. Subsidary 6/30/2007
Fnb Financial Services, Inc. Subsidary 6/30/2007
Alliance Preferred Funding Corp. Subsidary 3/9/2013
Colonial Financial Services, Inc. Subsidary 6/30/2007
Alliance Leasing, Inc. Subsidary 3/9/2013
Pennstar Bank Services Company Subsidary 6/30/2007
Cnb Realty Trust Subsidary 12/31/2007
Nbt Services, Inc. Subsidary 6/30/2007
Broad Street Property Associates, Inc. Subsidary 6/30/2007
Mang-Nbt Holdings, Llc Subsidary 2/26/2010
Columbia Ridge Management, Inc. Subsidary 12/1/2016
Cnb Reit Corp. Subsidary 12/31/2007 12/30/2009
Pennstar Realty Trust Subsidary 12/31/2007 12/30/2009
Cnb Reit Corp. Subsidary 6/30/2007 12/30/2007
Pennstar Realty Trust Subsidary 6/30/2007 12/30/2007
Cnb Realty Trust Subsidary 6/30/2007 12/30/2007
La Lease, Inc. Subsidary 3/17/2001 6/29/2007
Nbt Capital Corp. Subsidary 10/26/1998 6/29/2007
Cnb Reit Corp. Subsidary 2/10/2006 6/29/2007
Fnb Financial Services, Inc. Subsidary 5/31/2001 6/29/2007
Pennstar Realty Trust Subsidary 12/31/2003 6/29/2007
Colonial Financial Services, Inc. Subsidary 11/9/2001 6/29/2007
Pennstar Bank Services Company Subsidary 9/27/2002 6/29/2007
Cnb Realty Trust Subsidary 12/31/2003 6/29/2007
Nbt Services, Inc. Subsidary 6/1/2004 6/29/2007
Broad Street Property Associates, Inc. Subsidary 2/3/2005 6/29/2007
Pennstar Management Trust Subsidary 12/2/2002 12/31/2003
Pennstar Realty Trust Subsidary 3/17/2001 12/3/2002
Cnb Realty Trust Subsidary 11/18/2002 12/3/2002
Cnb Realty, Inc. Subsidary 11/9/2001 12/1/2002
Central Asset Management, Inc. Subsidary 11/9/2001 3/25/2002
Nbt Investment Company, Inc. Subsidary 6/1/2000 6/26/2001
Pennstar Financial Services, Inc. Subsidary 12/29/2000 12/29/2000
Nbt Financial Services, Inc. Subsidary 9/14/1999 5/3/2000
First National Bank In Sidney Subsidary 12/31/1970 12/29/1978
The Delaware National Bank Of Delhi Subsidary 12/31/1977 12/28/1978
The National Bank Of Hobart Subsidary 12/31/1970 6/28/1974
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