NY lenders / Regional Bank
NBT Bank, National Association
Regional Bank · Norwich, NY · Nbt Bcorp Inc
- Total assets
- $16.1B
- CRE loan book
- $4.6B
- QoQ CRE growth
- -0.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.56% as of Q1 2026 — TX bank median 4.87% (0.69pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.56% | 5.57% |
| Q4 2025 | 5.71% | 5.73% |
| Q3 2025 | 5.73% | 5.83% |
| Q2 2025 | 5.70% | 5.88% |
| Q1 2025 | 5.26% | 5.53% |
| Q4 2024 | 5.38% | 5.67% |
| Q3 2024 | 5.50% | 5.75% |
| Q2 2024 | 5.34% | 5.59% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $4.6B | $469.6M | $1.4B | 228% | $23.9M |
| Q4 2025 | $4.6B | $439.4M | $1.4B | 231% | $17.6M |
| Q3 2025 | $4.6B | $467.7M | $1.5B | 239% | $19.1M |
| Q2 2025 | $4.6B | $465.9M | $1.5B | 242% | $18.7M |
| Q1 2025 | $3.7B | $360.0M | $1.2B | 215% | $28.2M |
| Q4 2024 | $3.7B | $355.2M | $1.2B | 216% | $29.8M |
| Q3 2024 | $3.6B | $320.0M | $1.1B | 212% | $17.6M |
| Q2 2024 | $3.5B | $319.2M | $1.1B | 208% | $18.2M |
Similar lenders
Other regional banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.