Bank · FDIC insured
NBT Bank
A $16.1B bank, the 123rd largest of 4,207, headquartered in Norwich, NY, with 174 branches in 7 states. Best rates: CDs 4.00% and savings 0.03% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings621.76%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About NBT Bank
Founded in 1856, NBT Bank is an independent community bank based in Norwich, New York, operating as a primary subsidiary of financial holding company NBT Bancorp Inc.
The bank offers personal banking, commercial banking, and wealth management services through digital channels and over 170 locations across New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut.
- Headquarters
- 52 S Broad St, Norwich, NY 13815
- FDIC certificate
- 7230 ↗
Branches
174 branches in 7 states
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New York
127 branches
Syracuse area · 20
- Baldwinsville Branch8260 Willett Pkwy, Baldwinsville, NY 13027Directions
- Brewerton Branch9556 Brewerton Rd, Brewerton, NY 13029Directions
- Camillus Branch5390 W Genesee St, Camillus, NY 13031Directions
- Canastota Branch3273 Seneca Tpke, Canastota, NY 13032Directions
- Deruyter Branch750 Utica St, DeRuyter, NY 13052Directions
- East Syracuse Branch6563 Weighlock Dr, East Syracuse, NY 13057Directions
- Fayetteville Branch6930 E Genesee St, Fayetteville, NY 13066Directions
- Fulton BranchRoute 3 West, Fulton, NY 13069Directions
- Drive-In Branch38 Utica St, Hamilton, NY 13346Directions
- Hamilton Branch1 Madison St, Hamilton, NY 13346Directions
- Manlius Branch8270 Cazenovia Road Rte 92, Manlius, NY 13104Directions
- North Syracuse Branch700 N Main St, North Syracuse, NY 13212Directions
- Oneida Main Street Branch160 Main St, Oneida, NY 13421Directions
- Oneidasouth Branch118 Genesee St, Oneida, NY 13421Directions
- Oswego East Branch161 State Route 104, Oswego, NY 13126Directions
- Oswego West Branch30 W Utica St, Oswego, NY 13126Directions
- Pulaski Branch4879 N Jefferson St, Pulaski, NY 13142Directions
- Syracuse Clinton Square Branch126 N Salina St, Syracuse, NY 13202Directions
- Syracuse James Street Branch1001 James St, Syracuse, NY 13203Directions
- Tully Branch5789 Route 80, Tully, NY 13159Directions
Albany area · 15
- Albany Financial Center Branch80 Wolf Rd, Albany, NY 12205Directions
- Albany State Street Branch54 State St, Albany, NY 12207Directions
- Cobleskill Branch691 E Main St, Cobleskill, NY 12043Directions
- Duanesburg Branch4957 Western Tpke, Duanesburg, NY 12056Directions
- Guilderland Branch5 New Karner Rd, Guilderland, NY 12084Directions
- Halfmoon Branch225 Guideboard Rd, Halfmoon, NY 12065Directions
- Latham Branch703 Troy Schenectady Rd, Latham, NY 12110Directions
- Malta Branch51 Luther Forest Boulevard, Mechanicville, NY 12118Directions
- Middleburg Branch305 Main St, Middleburgh, NY 12122Directions
- East Greenbush425 Columbia Tpke, Rensselaer, NY 12144Directions
- Saratoga Springs Branch295 Broadway, Saratoga Springs, NY 12866Directions
- Schenectady Branch433 State St, Schenectady, NY 12305Directions
- Schoharie Branch271 Main St, Schoharie, NY 12157Directions
- Sharon Springs Branch105 Main St, Sharon Springs, NY 13459Directions
- South Glens Falls Branch110 Main St, South Glens Falls, NY 12803Directions
Buffalo area · 13
- Amherst Office Branch3388 Sheridan Dr, Amherst, NY 14226Directions
- Evans Bank Branch8599 Erie Rd, Angola, NY 14006Directions
- North Boston Branch7205 Boston State Road, Boston, NY 14025Directions
- Elmwood Village Branch925 Elmwood Ave, Buffalo, NY 14222Directions
- North Buffalo Branch2670 Delaware Ave, Buffalo, NY 14216Directions
- Westminster Commons Branch419 Monroe St, Buffalo, NY 14212Directions
- Lancaster Branch4979 Transit Rd, Depew, NY 14043Directions
- Hamburg Branch5999 S Park Ave, Hamburg, NY 14075Directions
- Lockport Branch5688 S Transit Rd, Lockport, NY 14094Directions
- Tonawanda Office Branch2800 Niagara Falls Blvd, Tonawanda, NY 14150Directions
- West Seneca Branch938 Union Rd, West Seneca, NY 14224Directions
- Clarence Branch8411 Main St, Williamsville, NY 14221Directions
- Williamsvile Branch5178 Main St, Williamsville, NY 14221Directions
Binghamton area · 9
- Binghamton Branch1256 Front St, Binghamton, NY 13901Directions
- Binghamton East Side156 Robison Street, Binghamton, NY 13904Directions
- Deposit Branch108 2nd St, Deposit, NY 13754Directions
- Endicott Branch1310 North St, Endicott, NY 13760Directions
- Johnson City Branch331 Main St, Johnson City, NY 13790Directions
- Oakdale Commons Branch625 Harry L Drive, Johnson City, NY 13790Directions
- Newark Valley Branch2 N Main St, Newark Valley, NY 13811Directions
- Vestal Branch3121 Vestal Pkwy E, Vestal, NY 13850Directions
- Whitney Branch2950 Us Highway 11, Whitney Point, NY 13862Directions
Oneonta area · 8
- Cherry Valley Branch16 Main St, Cherry Valley, NY 13320Directions
- Cooperstown Branch2 Commons Dr, Cooperstown, NY 13326Directions
- Cooperstown Pioneer Street Branch62 Pioneer St, Cooperstown, NY 13326Directions
- Edmeston Branch1 West St, Edmeston, NY 13335Directions
- Oneonta Southside Branch733 State Highway 28, Oneonta, NY 13820Directions
- Oneonta Wall Street Branch1 Wall St, Oneonta, NY 13820Directions
- Richfield Springs Branch194 Main St, Richfield Springs, NY 13439Directions
- Oneonta Eastside Branch5582 State Hwy 7, Eastside, Town Of Oneonta, NY 13820Directions
Utica area · 7
- Clinton Branch1 Kirkland Ave, Clinton, NY 13323Directions
- Herkimer Branch399 E Albany St, Herkimer, NY 13350Directions
- New Hartford Branch8549 Seneca Tpke, New Hartford, NY 13413Directions
- Rome Black River Branch853 Black River Blvd N, Rome, NY 13440Directions
- Rome Westgate Branch1148 Erie Blvd W, Rome, NY 13440Directions
- Utica Financial Center Branch270 Genesee St, Utica, NY 13502Directions
- Whitesboro Branch131 Oriskany Blvd, Whitesboro, NY 13492Directions
Amsterdam area · 5
- Amsterdam Branch106 Hannford Plaza, Amsterdam, NY 12010Directions
- Canajoharie Branch20 Mohawk St, Canajoharie, NY 13317Directions
- Fonda Branch34 W Main St, Fonda, NY 12068Directions
- Fort Plain Branch41 Canal St, Fort Plain, NY 13339Directions
- St. Johnsville Branch16 W Main St, St. Johnsville, NY 13452Directions
Gloversville area · 5
- Vail Mills Branch3711 State Highway 30, Broadalbin, NY 12025Directions
- Gloversville Branch199 2nd Ave, Gloversville, NY 12078Directions
- Gloversville Financial Center Branch12 Fremont St, Gloversville, NY 12078Directions
- Johnstown Branch142 N Comrie Ave, Johnstown, NY 12095Directions
- Northville Branch312 Bridge St, Northville, NY 12134Directions
Kiryas Joel area · 5
- Dover Village Plaza Branch5 Dover Village Plaza, Dover Plains, NY 12522Directions
- Fishkill Branch701 Route 9, Fishkill, NY 12524Directions
- Millerton New York Branch87 Main St, Millerton, NY 12546Directions
- Newburgh Branch801 Auto Park Pl, Newburgh, NY 12550Directions
- Poughkeepsie Branch40 Garden St, Poughkeepsie, NY 12601Directions
Rochester area · 5
- Nine Mile Point Road Branch2163 Nine Mile Point Rd, Fairport, NY 14450Directions
- Old Fairport Savings Bank Branch45 S Main St, Fairport, NY 14450Directions
- Perinton Branch6797 Pittsford Palmyra Rd, Fairport, NY 14450Directions
- Irondequoit Branch2118 Hudson Ave, Rochester, NY 14617Directions
- Webster Branch1075 Ridge Road, Suite 100, Webster, NY 14580Directions
Massena area · 4
- Canton Branch5 Park Pl, Canton, NY 13617Directions
- Massena Branch264 Main St, Massena, NY 13662Directions
- Ogdensburg Branch2800 Ford Street Ext, Ogdensburg, NY 13669Directions
- Potsdam Branch6554 State Highway 56, Potsdam, NY 13676Directions
Cortland area · 4
- Cincinnatus Branch2743 Route 26, Cincinnatus, NY 13040Directions
- Cortland Branch65 Main St, Cortland, NY 13045Directions
- Cortland Groton Ave Branch1125 State Route 222, Cortland, NY 13045Directions
- Marathon Branch14-18 East Main Street, Marathon, NY 13803Directions
Norwich area · 3
- NBT Bank, National AssociationMain office52 S Broad St, Norwich, NY 13815Directions
- North Plaza Branch117 State Hwy 320, Norwich, NY 13815Directions
- South Plaza Branch5632 State Highway 12, Norwich, NY 13815Directions
Glens Falls area · 2
- Glens Falls86 Glen St, Glens Falls, NY 12801Directions
- Queensbury Branch242 Quaker Rd, Queensbury, NY 12804Directions
Lake Placid area · 2
- Lake Placid Branch2483 Main St, Lake Placid, NY 12946Directions
- Placid Outpost Office1944 Saranac Ave, Lake Placid, NY 12946Directions
Plattsburgh area · 2
- Plattsburgh Margaret St Branch185 Margaret St, Plattsburgh, NY 12901Directions
- Plattsburgh Route 3 Branch482 Route 3, Plattsburgh, NY 12901Directions
Afton area · 1
- Afton Branch182 Main St, Afton, NY 13730Directions
Bainbridge area · 1
- Bainbridge Branch9 N Main St, Bainbridge, NY 13733Directions
Earlville area · 1
- Earlville Branch2 S Main St, Earlville, NY 13332Directions
Jamestown area · 1
- Forestville Branch25 Main St, Forestville, NY 14062Directions
Grand Gorge area · 1
- Grand Gorge Branch60814 State Highway 30, Grand Gorge, NY 12434Directions
Greene area · 1
- Greene Branch80 S Chenango St, Greene, NY 13778Directions
Hancock area · 1
- Hancock Branch11 E Main St, Hancock, NY 13783Directions
Hobart area · 1
- Hobart Branch147 Maple Avenue, Hobart, NY 13788Directions
Malone area · 1
- Malone Branch3392 State Route 11, Malone, NY 12953Directions
Margaretville area · 1
- Margaretville Branch723 Main St, Margaretville, NY 12455Directions
New Berlin area · 1
- New Berlin Branch2 S Main St, New Berlin, NY 13411Directions
Kingston area · 1
- New Paltz Branch275 Main St, New Paltz, NY 12561Directions
Oxford area · 1
- Oxford Branch10 N Canal St, Oxford, NY 13830Directions
Saranac Lake area · 1
- Saranac Lake Branch209 Lake Flower Ave, Saranac Lake, NY 12983Directions
Sherburne area · 1
- Sherburne Branch30 N Main St, Sherburne, NY 13460Directions
Sidney area · 1
- Sidney Branch13 Division St, Sidney, NY 13838Directions
Speculator area · 1
- Speculator Branch2966 State Route 30, Speculator, NY 12164Directions
Windham area · 1
- Windham Branch49 State Route 296, Windham, NY 12496Directions
Pennsylvania
24 branches
Scranton area · 12
- Archbald Branch3 Kennedy Dr, Archbald, PA 18403Directions
- Schoolside Branch140 Brooklyn St, Carbondale, PA 18407Directions
- Clarks Green Branch318 E Grove St, Clarks Green, PA 18411Directions
- Dickson City Branch736 Main St, Dickson City, PA 18519Directions
- Dunmore Branch1230 Oneill Hwy, Dunmore, PA 18512Directions
- Elmhurst Branch207 State Route 435, Elmhurst Township, PA 18444Directions
- Eynon Branch685 Scranton Carbondale Hwy, Eynon, PA 18403Directions
- Mount Cobb Branch1197 Mount Cobb Rd, Jefferson Township, PA 18436Directions
- Kingston Branch455 Market St, Kingston, PA 18704Directions
- Scranton Keyser Valley Branch130 N Keyser Ave, Scranton, PA 18504Directions
- Taylor Branch801 S Main St, Taylor, PA 18517Directions
- Wilkes-Barre Branch171 N Wilkes Barre Blvd, Wilkes-Barre, PA 18702Directions
East Stroudsburg area · 3
- Bartonsville Branch5009 Windsor Dr, Bartonsville, PA 18321Directions
- Mount Pocono Branch3418 Route 940, Mount Pocono, PA 18344Directions
- Mountainhome Branch1079 Pennsylvania 390, Mountainhome, PA 18342Directions
Hemlock Farms area · 2
- Lords Valley Branch114 Village Center Dr, Lords Valley, PA 18428Directions
- Milford Branch214 W Harford St, Milford, PA 18337Directions
Great Bend area · 1
- Great Bend BranchRoute 11 And Mountain View Plaza, Great Bend, PA 18821Directions
Hamlin area · 1
- Hamlin Corners Branch575 Easton Turnpike, Hamlin, PA 18427Directions
Kingsley area · 1
- Lenox Branch5910 Pa-92, Kingsley, PA 18826Directions
Lake Ariel area · 1
- Lake Ariel Branch1456 Lake Ariel Hwy, Lake Ariel, PA 18436Directions
Montrose area · 1
- Montrose Branch36 Public Ave, Montrose, PA 18801Directions
New Milford area · 1
- New Milford Branch841 Main St, New Milford, PA 18834Directions
Newfoundland area · 1
- Greene-Dreher Branch1008 Main St, Newfoundland, PA 18445Directions
Massachusetts
7 branches
- Great Barrington Branch700 Main St, Great Barrington, MA 01230Directions
- Gt. Barrington Office210 Main St, Great Barrington, MA 01230Directions
- Lee Branch76 Park St, Lee, MA 01238Directions
- North Adams Branch331 State Rd, North Adams, MA 01247Directions
- Pittsfield Financial Center Branch75 North Street, Pittsfield, MA 01201Directions
- Pittsfield Branch609 Merrill Rd, Pittsfield, MA 01201Directions
- Sheffield Branch640 N Main St, Sheffield, MA 01257Directions
Connecticut
6 branches
Torrington area · 4
- Canaan Branch100 Main St, Canaan, CT 06018Directions
- Lakeville Regional Financial Center Branch5 Bissell St, Lakeville, CT 06039Directions
- Salisbury Branch18 Main St, Salisbury, CT 06068Directions
- Sharon Branch5 Gay St, Sharon, CT 06069Directions
Hartford area · 2
- Glastonbury Branch2670 Main St, Glastonbury, CT 06033Directions
- West Hartford Branch68 S Main St, West Hartford, CT 06107Directions
New Hampshire
4 branches
Manchester area · 2
- Manchester Branch80 Canal St, Manchester, NH 03101Directions
- Nashua Branch221 Main St, Nashua, NH 03060Directions
Concord area · 1
- Concord Branch118 N Main St, Concord, NH 03301Directions
Keene area · 1
- Keene Banking Center210 West St, Keene, NH 03431Directions
Vermont
4 branches
- Burlington Branch150 Bank St, Burlington, VT 05401Directions
- Essex Branch2 Commonwealth Avenue, Essex Junction, VT 05452Directions
- South Burlington Branch1330 Shelburne Road, South Burlington, VT 05403Directions
- Williston Branch1 Taft Corners Shopping Ctr, Williston, VT 05495Directions
Maine
2 branches
- Portland Bayside Branch191 Marginal Way, Portland, ME 04101Directions
- Portland Financial Center Branch5 Widgery Wharf Fl 3, Portland, ME 04101Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.49% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.55% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.21% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $87 | $85 | — |
- CapitalLeverage ratio9.49%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.55%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.21%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$87Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of NBT Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.