Nbt Bank, National Association
Norwich, NY — National Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Nbt Bank, National Association | All Insured Commercial Banks in New York |
| 12-31-2016 | 3.458 | 3.19 |
| 09-30-2016 | 3.459 | 3.191 |
| 06-30-2016 | 3.466 | 3.187 |
| 03-31-2016 | 3.48 | 3.145 |
| 12-31-2015 | 3.53 | 3.147 |
| 09-30-2015 | 3.548 | 3.142 |
| 06-30-2015 | 3.552 | 3.142 |
| 03-31-2015 | 3.579 | 3.146 |
| 12-31-2014 | 3.642 | 3.226 |
| 09-30-2014 | 3.631 | 3.232 |
| 06-30-2014 | 3.614 | 3.199 |
| 03-31-2014 | 3.609 | 3.193 |
| 12-31-2013 | 3.693 | 3.203 |
| 09-30-2013 | 3.701 | 3.196 |
| 06-30-2013 | 3.695 | 3.196 |
| 03-31-2013 | 3.679 | 3.205 |
| 12-31-2012 | 3.891 | 3.354 |
| 09-30-2012 | 3.896 | 3.382 |
| 06-30-2012 | 3.869 | 3.388 |
| 03-31-2012 | 3.909 | 3.424 |
| 12-31-2011 | 4.127 | 3.492 |
| 09-30-2011 | 4.156 | 3.5 |
| 06-30-2011 | 4.134 | 3.484 |
| 03-31-2011 | 4.122 | 3.491 |
| 12-31-2010 | 4.222 | 3.486 |
| 09-30-2010 | 4.228 | 3.516 |
| 06-30-2010 | 4.212 | 3.497 |
| 03-31-2010 | 4.218 | 3.479 |
| 12-31-2009 | 4.121 | 3.401 |
| 09-30-2009 | 4.073 | 3.415 |
| 06-30-2009 | 4.067 | 3.352 |
| 03-31-2009 | 4.119 | 3.338 |
| 12-31-2008 | 4.034 | 3.461 |
| 09-30-2008 | 3.984 | 3.49 |
| 06-30-2008 | 3.953 | 3.471 |
| 03-31-2008 | 3.909 | 3.494 |
| 12-31-2007 | 3.698 | 3.639 |
| 09-30-2007 | 3.688 | 3.66 |
| 06-30-2007 | 3.692 | 3.643 |
| 03-31-2007 | 3.672 | 3.663 |
| 12-31-2006 | 3.793 | 3.733 |
| 09-30-2006 | 3.807 | 3.735 |
| 06-30-2006 | 3.851 | 3.771 |
| 03-31-2006 | 3.877 | 3.78 |
| 12-31-2005 | 3.926 | 3.805 |
| 09-30-2005 | 3.929 | 3.809 |
| 06-30-2005 | 3.926 | 3.795 |
| 03-31-2005 | 3.932 | 3.787 |
| 12-31-2004 | 3.924 | 3.715 |
| 09-30-2004 | 3.919 | 3.657 |
| 06-30-2004 | 3.921 | 3.678 |
| 03-31-2004 | 3.974 | 3.659 |
| 12-31-2003 | 4.13 | 3.735 |
| 09-30-2003 | 4.184 | 3.752 |
| 06-30-2003 | 4.329 | 3.811 |
| 03-31-2003 | 4.403 | 3.835 |
| 12-31-2002 | 4.435 | 4.072 |