NBT Bank holds $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 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 |
|---|---|---|---|---|
| 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 County, 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 County, 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 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 1,523 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.