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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 NBT Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
NBT Bank's savings rates are at 0.30%. NBT Bank's money market rates are at 2.78%. NBT Bank's checking rates are as high as 0.01%. NBT Bank's Personal Loan Rates are as low as 9.04%. NBT Bank's savings rates are 60% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of NBT Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.43%. Rates last updated and verified on 11/05/2026. NBT Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NBT Bank? Share your experience about NBT Bank by leaving a review below, or read customer reviews before you decide to use NBT Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. NBT Bank Savings Rates
NBT Bank Money Market Rates
NBT Bank Checking Rates
NBT Bank Home Equity & HELOC
NBT Bank Auto Loan Rates
NBT Bank Personal Loan Rates
Financial Health HistoryNBT Bank’s Texas Ratio rose from 1.68% in Q3 2023 to 3.43% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for NBT Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather NBT Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with NBT Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
NBT Bank
Website
https://www.nbtbank.com
Address
52 S Broad St,
Norwich, NY 13815 · Chenango
Bank Holding Company
NBT BCORP INC
FDIC Certificate #
7230
Regulator
OCC
Established
March 3, 1856
FDIC Insurance Date
January 1, 1934
Domestic Offices
175
Total Branches
175
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.43%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2082%
Return on Equity (ROE)
10.4500%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
$16,091,731,000
Total Deposits
$13,677,927,000
Equity Capital
$1,858,627,000
Net Income
$96,782,000
Headquarters
Norwich
Total Branches and Offices
175
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for NBT Bank
Frequently Asked Questions About NBT BankWhat is the highest savings rate at NBT Bank?The highest NBT Bank savings rate is its Health Savings Accounts at 0.30% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at NBT Bank?The highest NBT Bank money market rate is its Accelerate Money Market at 2.78% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at NBT Bank?The highest NBT Bank checking rate is its Classic Interest Checking at 0.01% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at NBT Bank?The lowest NBT Bank personal loan rate is its Personal Loan Unsecured at 9.04% APR, verified by MonitorBankRates as of November 5, 2026. How many branches does NBT Bank operate?NBT Bank currently maintains approximately 175 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, NBT Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, NBT Bank provides members with tools to manage their accounts and build a solid financial history. Does NBT Bank offer online and mobile banking?Most modern institutions like NBT Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nbtbank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do NBT Bank rates compare?NBT Bank's savings rates are 60% lower than the MonitorBankRates national average, and it has an A+ health rating. NBT Bank's top rates are its Health Savings Accounts at 0.30% APY, its Accelerate Money Market at 2.78% APY, its Classic Interest Checking at 0.01% APY and its Personal Loan Unsecured at 9.04% APR, verified by MonitorBankRates on November 5, 2026. Current NBT Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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