Applications / Mortgage Analytics / Lenders / New York / NBT Bank / Data
NBT Bank
Norwich, NY · National bank · OCC · $15.9 billion assets · 2,741 loans in 2025
NBT Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,741
loans originated, 2025
4,238
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
History
- 30 May 1986Head office moved (now in NY).
- 29 September 1989Renamed from The National Bank and Trust Company of Norwich to The National Bank and Trust Company.
- 1990First report under HMDA in the public data (which begins in 1990).
- 1 June 1995Renamed from The National Bank and Trust Company to NBT Bank, National Association.
- 10 February 2006Merged with City National Bank and Trust Company. Its HMDA filings count as this lender's in the competition figures.
- 17 June 2009Head office moved (now in NY).
- 18 September 2009Head office moved (now in PA).
- 11 March 2011Head office moved (now in NY).
- 6 May 2011Head office moved (now in NY).
- 9 June 2012Merged with Hampshire First Bank. Its HMDA filings count as this lender's in the competition figures.
- 9 March 2013Merged with Alliance Bank. Its HMDA filings count as this lender's in the competition figures.
- 12 August 2023Merged with Salisbury Bank and Trust Company. Its HMDA filings count as this lender's in the competition figures.
- 3 May 2025Merged with Evans Bank. Its HMDA filings count as this lender's in the competition figures.
Filed under earlier names
- 1990–1994THE NATIONAL BANK AND TRUST CO
- 1991–1991NATIONAL BANK & TR CO NORWICH
- 1992–1992THE NATL BANK AND TRUST CO
- 1993–1993NATIONAL BANK AND TRUST COMPAN
- 1995–1997NBT BANK, NATIONAL ASSOCIATION
- 1996–1996NBT BANK, NATIONAL ASSOICATION
- 1998–2006NBT BANK, NA
- 2007–2008NBT BANK NA
- 2009–2025NBT BANK NA
Data editions
| Year | Publisher | Edition |
|---|---|---|
| 2018 | FFIEC | three-year |
| 2019 | FFIEC | three-year |
| 2020 | FFIEC | snapshot |
| 2021 | FFIEC | snapshot |
| 2022 | FFIEC | snapshot |
| 2023 | FFIEC | one-year |
| 2024 | FFIEC | one-year |
| 2025 | FFIEC | snapshot |
Corrections to this lender's records
| Year | Problem | Records | What was done |
|---|---|---|---|
| 2024 | zero income set to missing: debt-to-income band reported (>60%), which cannot be computed from zero income. HMDA says report NA when income is not relied on | 4 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: business-purpose loan: personal income is not the basis. HMDA says report NA when income is not relied on | 3 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: debt-to-income band reported (<20%), which cannot be computed from zero income. HMDA says report NA when income is not relied on | 4 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: debt-to-income band reported (>60%), which cannot be computed from zero income. HMDA says report NA when income is not relied on | 1 | Record adjusted; the published value is kept in dw.lar_original |
The data behind this page, and how it was built, checked and analysed in Jenner: the data product · the fair-lending method. Page generated 2026-10-23T09:03:15Z.
The data and the software behind these pages
NBT Bank's data
$215
NBT Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy NBT Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]