NBT Bank, National Association

Headquarters: Norwich, New York
Charter: Bank
Assets: $16.1B
Fed district: New York
Regulator: OCC
Holding company: Nbt Bancorp Inc.

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 31, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: NBT Bank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Non-Network ATM
Compared at $1, the middle of its prices
NBT Bank, National Association: $0.50 to $2.50
NBT Bank, National Association: $0.50 to $2.50
U.S. median: no median
Stop Payment
NBT Bank, National Association: $32
NBT Bank, National Association: $32
U.S. median: no median
Wire Transfer (Int'l Out)
NBT Bank, National Association: $50
NBT Bank, National Association: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 4.1% from Q3 2025 to Q2 2026, to $6.0M.

Service-charge income, Q2 2026

$6.0M

$5.8MQ3 2025

$5.8MQ4 2025

$6.0MQ1 2026

$6.0MQ2 2026

Against the median

NBT Bank, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$12.8B to $19.2B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

NBT Bank, National Association does not publish a monthly maintenance fee in the index.

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.

NBT Bank, National Associ…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for NBT Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $6.0M
vs prior quarter: +$69K+1.2%; from Q1 2026
vs a year earlier: +$768K+14.6%; from Q2 2025
vs start of range: +$1.1M+22.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: NBT Bank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from NBT Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Deposit Account Closed Early (less than 90 days from opening, excludes NBT iSelect Account)$15
Monthly Dormancy Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)$10
per month
Monthly Inactivity Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)$10
per month
Account Research$25
Research per hour (1-Hour Minimum) (audience not stated, treated as personal)$100
Not compared: Charged per hour; comparison unavailable
per hour
Research per hour (1-Hour Minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement (iStrive Only)$2

ATM & Card

Balance Inquiry at non-NBT Bank ATM$1
Transfer of Funds at non-NBT Bank ATM$0.50
Withdrawal at non-NBT Bank ATM$2.50

Wire Transfers

Outgoing Wire Foreign$50
Incoming Wire Domestic and Foreign$15

Check Services

Official Check$5
Personal Money Order ($2,500 Maximum)$3
Stop Payment$32
Counter Checks$0.25

Digital & Electronic

Online Banker with Bill Pay (includes external outgoing and incoming transfers)No charge

Cash & Deposit

Night Deposit: Annual Service$15
Not compared: Annual charge, not per item
per year

Account Services

Late Fee$10
Not compared: Box drilling or key fee

Retirement & IRA

IRA Transfer (Process to another institution)$30

Other Fees

Statement Copy or Interim Statement$3

Fee	Amount	Basis	Note
Account Maintenance
Deposit Account Closed Early (less than 90 days from opening, excludes NBT iSelect Account)	$15	Not stated	None
Monthly Dormancy Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)	$10	per month	None
Monthly Inactivity Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)	$10	per month	None
Account Research	$25	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)	$2	Not stated	None
ATM & Card
Balance Inquiry at non-NBT Bank ATM	$1	Not stated	None
Transfer of Funds at non-NBT Bank ATM	$0.50	Not stated	None
Withdrawal at non-NBT Bank ATM	$2.50	Not stated	None
Wire Transfers
Outgoing Wire Foreign	$50	Not stated	None
Incoming Wire Domestic and Foreign	$15	Not stated	None
Check Services
Official Check	$5	Not stated	None
Personal Money Order ($2,500 Maximum)	$3	Not stated	None
Stop Payment	$32	Not stated	None
Counter Checks	$0.25	Not stated	None
Digital & Electronic
Online Banker with Bill Pay (includes external outgoing and incoming transfers)	No charge	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)	$30	Not stated	None
Other Fees
Statement Copy or Interim Statement	$3	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

Correct a fee source

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.

Branches and public record

Where NBT Bank, National Association operates, and what regulators and customers have on file.

Market position

In Buffalo-Cheektowaga, NY, NBT Bank, National Association holds 2.5% of bank deposits, #7 of 20, with 14 offices.

Compare fees with the 29 Syracuse, NY banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Syracuse, NY.

Offices in the metro

362 offices of 98 institutions shown.

NBT Bank, National AssociationOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Buffalo-Cheektowaga, NY metro (FDIC metro code 15380), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Manufacturers and Traders Trust Company63.6%
2KeyBank National Association11.4%
3HSBC Bank USA, National Association5.1%
4Bank of America, National Association4.5%
5Northwest Bank4.0%
6Citizens Bank, National Association3.9%
7NBT Bank, National Association2.5%
8CNB Bank1.5%

8 of 20 institutions shown. $67.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Buffalo-Cheektowaga, NY metro (FDIC metro code 15380)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2025 to 2026
Area: Buffalo-Cheektowaga, NY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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

Checking or savings account
Vehicle loan or lease
Payday loan, title loan, personal loan, or advance loan
Debt collection
Other

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

Recent SEC filings

8-K8-K2026-11-03View
8-K8-K2026-10-27View
8-K8-K2026-09-21View
8-K8-K2026-09-08View
10-Q10-Q2026-08-07View
8-K8-K2026-07-27View
8-K8-K2026-05-19View
8-K8-K2026-05-18View
10-Q10-Q2026-05-08View
8-K8-K2026-05-04View
8-K8-K2026-04-23View
DEF 14ADEF 14A2026-04-06View

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

Get an email when NBT Bank, National Association's monthly maintenance changes in our data

We check once a day and send one email covering every change.