NBT Bank holds $13.8B in deposits across 46 counties in 16 ranked markets and 7 states. Its deposit footprint is broadly distributed: the top three counties (Erie County, Chenango County, Oneida County) hold 25% of its deposits, and New York accounts for 82% of the total. It ranks among the three largest institutions in 15 of the 46 counties where it operates.
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Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches | |
|---|---|---|---|---|---|
| 1. | Erie County, NY | $1.6B | 11.7% | 2.8% | 13 |
| 2. | Chenango County, NY | $1.1B | 7.8% | 97.8% | 11 |
| 3. | Oneida County, NY | $786M | 5.7% | 16.4% | 6 |
| 4. | Onondaga County, NY | $770M | 5.6% | 6.1% | 10 |
| 5. | Fulton County, NY | $690M | 5.0% | 66.7% | 5 |
| 6. | Broome County, NY | $600M | 4.4% | 17.3% | 8 |
| 7. | Lackawanna County, PA | $568M | 4.1% | 7.5% | 9 |
| 8. | Otsego County, NY | $528M | 3.8% | 39.2% | 8 |
| 9. | Madison County, NY | $466M | 3.4% | 37.3% | 6 |
| 10. | Montgomery County, NY | $458M | 3.3% | 43.9% | 5 |
| 11. | Northwest Hills County, CT | $427M | 3.1% | 12.3% | 4 |
| 12. | Cortland County, NY | $396M | 2.9% | 45.1% | 4 |
| 13. | Dutchess County, NY | $392M | 2.9% | 4.7% | 4 |
| 14. | Albany County, NY | $366M | 2.7% | 2.2% | 4 |
| 15. | Delaware County, NY | $355M | 2.6% | 29.0% | 5 |
| 16. | Schoharie County, NY | $320M | 2.3% | 49.9% | 4 |
| 17. | Saratoga County, NY | $299M | 2.2% | 4.6% | 4 |
| 18. | Essex County, NY | $287M | 2.1% | 30.9% | 3 |
| 19. | Susquehanna County, PA | $269M | 2.0% | 19.2% | 5 |
| 20. | Berkshire County, MA | $252M | 1.8% | 5.4% | 8 |
| 21. | Schenectady County, NY | $252M | 1.8% | 7.3% | 2 |
| 22. | St. Lawrence County, NY | $234M | 1.7% | 14.4% | 4 |
| 23. | Oswego County, NY | $208M | 1.5% | 12.0% | 4 |
| 24. | Wayne County, PA | $206M | 1.5% | 10.3% | 4 |
| 25. | Monroe County, NY | $176M | 1.3% | 1.0% | 5 |
| 26. | Chittenden County, VT | $147M | 1.1% | 2.1% | 4 |
| 27. | Chautauqua County, NY | $136M | 1.0% | 6.2% | 1 |
| 28. | Pike County, PA | $134M | 1.0% | 13.7% | 2 |
| 29. | Clinton County, NY | $131M | 1.0% | 6.0% | 2 |
| 30. | Orange County, NY | $127M | 0.9% | 1.2% | 1 |
| 31. | Warren County, NY | $118M | 0.9% | 3.5% | 2 |
| 32. | Hillsborough County, NH | $117M | 0.8% | 0.8% | 2 |
| 33. | Monroe County, PA | $114M | 0.8% | 3.2% | 3 |
| 34. | Luzerne County, PA | $106M | 0.8% | 1.3% | 2 |
| 35. | Herkimer County, NY | $82M | 0.6% | 10.2% | 1 |
| 36. | Capitol County, CT | $72M | 0.5% | 0.1% | 2 |
| 37. | Niagara County, NY | $70M | 0.5% | 1.9% | 1 |
| 38. | Cumberland County, ME | $53M | 0.4% | 0.3% | 1 |
| 39. | Ulster County, NY | $53M | 0.4% | 1.1% | 1 |
| 40. | Greene County, NY | $52M | 0.4% | 1.4% | 1 |
| 41. | Tioga County, NY | $50M | 0.4% | 9.2% | 1 |
| 42. | Franklin County, NY | $48M | 0.4% | 6.6% | 1 |
| 43. | Rensselaer County, NY | $47M | 0.3% | 1.7% | 1 |
| 44. | Cheshire County, NH | $47M | 0.3% | 2.3% | 1 |
| 45. | Hamilton County, NY | $44M | 0.3% | 36.2% | 1 |
| 46. | Merrimack County, NH | $27M | 0.2% | 0.4% | 1 |
Deposits are as reported to the FDIC at branch level, June 30, 2025, and are nominal. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total 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.
All 293 markets and the 1,533 counties 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.