SBA lender profile
NBT Bank, National Association
NBT Bank, National Association appears in the public SBA loan data with 242 funded 7(a) loans totaling $84.9M, an average of $351K per loan, and an estimated 2,884 jobs supported. Its SBA lending concentrates in New York and the Professional and Technical Services sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
242
Total volume
$84.9M
Average loan size
$351K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
2,884
Programs
7(a)
Bank profile
via FDIC- Total assets
- $16.1B
- Headquarters
- Norwich, NY
- FDIC cert
- #7230
- Status
- Active
Where NBT Bank, National Association lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New York | 189 | $61.1M |
| Vermont | 7 | $7.8M |
| Connecticut | 15 | $6.7M |
| New Hampshire | 17 | $4.9M |
| Maine | 5 | $1.7M |
| Pennsylvania | 3 | $1.6M |
What NBT Bank, National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Professional and Technical Services | 30 | $12.8M |
| Retail Trade | 42 | $11.5M |
| Construction | 25 | $11.2M |
| Accommodation and Food Services | 25 | $7.9M |
| Manufacturing | 21 | $7.7M |
| Other Services | 19 | $6.0M |
NBT Bank, National Association SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 35 | $10.3M |
| 2021 | 40 | $15.3M |
| 2022 | 41 | $21.7M |
| 2023 | 38 | $10.0M |
| 2024 | 46 | $13.1M |
| 2025 | 26 | $7.2M |
| 2026 | 16 | $7.3M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of NBT Bank, National Association's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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