NBT Bank holds $15.9B in total assets and has $13.8B in deposits across 46 counties in 16 ranked markets and 7 states. Its deposit footprint is broadly distributed in New York: the top three counties (Erie County, Chenango County, and Oneida County) hold 25% of its deposits. It is among the top three banks by deposits in 15 of the 46 counties where it operates. Figures are from the FDIC Summary of Deposits as of June 30, 2025, and are refreshed once a year when the next survey is released, not quarterly.
Deposits by county
Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches |
|---|---|---|---|---|
| Erie County, NY | $1.6B | 11.7% | 2.8% | 13 |
| Chenango County, NY | $1.1B | 7.8% | 97.8% | 11 |
| Oneida County, NY | $786M | 5.7% | 16.4% | 6 |
| Onondaga County, NY | $770M | 5.6% | 6.1% | 10 |
| Fulton County, NY | $690M | 5.0% | 66.7% | 5 |
| Broome County, NY | $600M | 4.4% | 17.3% | 8 |
| Lackawanna County, PA | $568M | 4.1% | 7.5% | 9 |
| Otsego County, NY | $528M | 3.8% | 39.2% | 8 |
| Madison County, NY | $466M | 3.4% | 37.3% | 6 |
| Montgomery County, NY | $458M | 3.3% | 43.9% | 5 |
| Northwest Hills Planning Region, CT | $427M | 3.1% | 12.3% | 4 |
| Cortland County, NY | $396M | 2.9% | 45.1% | 4 |
| Dutchess County, NY | $392M | 2.9% | 4.7% | 4 |
| Albany County, NY | $366M | 2.7% | 2.2% | 4 |
| Delaware County, NY | $355M | 2.6% | 29.0% | 5 |
| Schoharie County, NY | $320M | 2.3% | 49.9% | 4 |
| Saratoga County, NY | $299M | 2.2% | 4.6% | 4 |
| Essex County, NY | $287M | 2.1% | 30.9% | 3 |
| Susquehanna County, PA | $269M | 2.0% | 19.2% | 5 |
| Berkshire County, MA | $252M | 1.8% | 5.4% | 8 |
| Schenectady County, NY | $252M | 1.8% | 7.3% | 2 |
| St. Lawrence County, NY | $234M | 1.7% | 14.4% | 4 |
| Oswego County, NY | $208M | 1.5% | 12.0% | 4 |
| Wayne County, PA | $206M | 1.5% | 10.3% | 4 |
| Monroe County, NY | $176M | 1.3% | 1.0% | 5 |
| Chittenden County, VT | $147M | 1.1% | 2.1% | 4 |
| Chautauqua County, NY | $136M | 1.0% | 6.2% | 1 |
| Pike County, PA | $134M | 1.0% | 13.7% | 2 |
| Clinton County, NY | $131M | 1.0% | 6.0% | 2 |
| Orange County, NY | $127M | 0.9% | 1.2% | 1 |
| Warren County, NY | $118M | 0.9% | 3.5% | 2 |
| Hillsborough County, NH | $117M | 0.8% | 0.8% | 2 |
| Monroe County, PA | $114M | 0.8% | 3.2% | 3 |
| Luzerne County, PA | $106M | 0.8% | 1.3% | 2 |
| Herkimer County, NY | $82M | 0.6% | 10.2% | 1 |
| Capitol Planning Region, CT | $72M | 0.5% | 0.1% | 2 |
| Niagara County, NY | $70M | 0.5% | 1.9% | 1 |
| Cumberland County, ME | $53M | 0.4% | 0.3% | 1 |
| Ulster County, NY | $53M | 0.4% | 1.1% | 1 |
| Greene County, NY | $52M | 0.4% | 1.4% | 1 |
| Tioga County, NY | $50M | 0.4% | 9.2% | 1 |
| Franklin County, NY | $48M | 0.4% | 6.6% | 1 |
| Rensselaer County, NY | $47M | 0.3% | 1.7% | 1 |
| Cheshire County, NH | $47M | 0.3% | 2.3% | 1 |
| Hamilton County, NY | $44M | 0.3% | 36.2% | 1 |
| Merrimack County, NH | $27M | 0.2% | 0.4% | 1 |
“Deposits (SOD)” are deposits as reported to the FDIC at branch level in the Summary of Deposits (SOD), June 30, 2025, and are nominal. They reflect where deposits are booked and may differ from the institution’s balance-sheet total. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total SOD deposits; “Bank’s % of County Deposits” is this institution’s deposits as a percent of all deposits booked in that county. Counties within a Combined or Metropolitan Statistical Area link to their full profile; other counties are shown for completeness.
Browse all covered institutions in the bank directory or the banks headquartered in NY. All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.
NBT Bank is named on this page solely to describe publicly reported FDIC deposit data. Its appearance does not imply any affiliation between NBT Bank and The Executive Recruiter Group, or endorsement by either.