Compared with New York
5 of 14
compared fees are above the median.
4 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
66th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 14 compared; 4 below, 5 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for NBT Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | NBT Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.5% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (66th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $6.0M in Q2 2026, 15% above the same quarter a year earlier ($5.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 14 compared published fees sit above the New York median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New York medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1, the middle of its prices
Stop Payment
Wire Transfer (Int'l Out)
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 4.1% from Q3 2025 to Q2 2026, to $6.0M. Its share of revenue, 3.5%, is above the 2.9% median for banks with $10B to $50B in assets.
$6.0M
NBT Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.50 to $2.50; we compare the midpoint.
NBT Bank, National Association · $16.1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| NBT Bank, National Association(this institution) | Norwich, NY | $16.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| BancFirst | Oklahoma City, OK | $12.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of America California, National Association | San Francisco, CA | $14.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banner Bank | Walla Walla, WA | $16.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bell Bank | Fargo, ND | $15.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank, National Association | Canton, NY | $17.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ConnectOne Bank | Englewood Cliffs, NJ | $14.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dime Community Bank | Hauppauge, NY | $15B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Enterprise Bank & Trust | Clayton, MO | $17.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Southern Pines, NC | $13B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Financial Bank | Abilene, TX | $15.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank and Trust Company | Durant, OK | $16.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank | Nashville, TN | $16.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Puerto Rico | Santurce, PR | $19.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Israel Discount Bank of New York | New York, NY | $14.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Live Oak Banking Company | Wilmington, NC | $16B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Nicolet National Bank | Green Bay, WI | $15.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Popular Bank | New York, NY | $15B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stifel Bank | Saint Louis, MO | $14.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Third Federal Savings and Loan Association of Cleveland | Cleveland, OH | $18.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Toyota Financial Savings Bank | Henderson, NV | $16.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
NBT Bank, National Association does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for NBT Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $6.0M | +$69K | +1.2% |
| Q1 2026 | $6.0M | +$185K | +3.2% |
| Q4 2025 | $5.8M | −$15K | −0.3% |
| Q3 2025 | $5.8M | +$529K | +10.1% |
| Q2 2025 | $5.3M | +$420K | +8.7% |
| Q1 2025 | $4.8M | −$184K | −3.7% |
| Q4 2024 | $5.0M | +$95K | +1.9% |
| Q3 2024 | $4.9M | +$238K | +5.1% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, NBT Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to NBT Bank, National Association by share.
Amounts from NBT Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Deposit Account Closed Early (less than 90 days from opening, excludes NBT iSelect Account) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Monthly Dormancy Fee (excludes NBT iSelect Account) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Inactivity Fee (excludes NBT iSelect Account) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Research per hour (1-Hour Minimum) (audience not stated, treated as personal) | $100Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research per hour (1-Hour Minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statement (iStrive Only) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
ATM & Card | |||
| Balance Inquiry at non-NBT Bank ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transfer of Funds at non-NBT Bank ATM | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Withdrawal at non-NBT Bank ATM | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Wire Domestic and Foreign | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Personal Money Order ($2,500 Maximum) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Banker with Bill Pay (includes external outgoing and incoming transfers) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Night Deposit: Annual Service | $15Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
Retirement & IRA | |||
| IRA Transfer (Process to another institution) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy or Interim Statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where NBT Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
175 offices in 7 states, $13.7B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 69 | $5.5B |
| 14 | $1.6B | |
| 20 | $1.6B | |
| 15 | $1.3B | |
| 7 | $836.2M | |
| 9 | $704.2M | |
| 11 | $670.0M | |
| 5 | $470.9M |
Buffalo-Cheektowaga, NY
2.5% of bank deposits, #7 of 20, up 2.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 63.6% |
| KeyBank National Association | 11.4% |
| HSBC Bank USA, National Association | 5.1% |
| Bank of America, National Association | 4.5% |
| Northwest Bank | 4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Buffalo-Cheektowaga, NY, NBT Bank, National Association holds 2.5% of bank deposits, #7 of 20, with 14 offices.
The fee comparison uses its home metro, Syracuse, NY.
362 offices of 98 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 20 institutions shown. $67.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2025 to 2026
June 2026: 2.5% share, 14 offices, #7 of 20
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2025 to 2026.
Credit unions, reported separately
133 offices of 79 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
49 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 12 |
| Charged fees or interest you didn't expect | 4 |
| Closing an account | 4 |
| Problem with a lender or other company charging your account | 4 |
| Incorrect information on your report | 3 |
| Getting the loan | 3 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
NBT BANCORP INC (Nasdaq: NBTB)
Consolidated assets
$16.2B
Shareholders' equity
$1.9B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 790359. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.