NBT Bank, National Association
NBT Bank, National Association is a full-service community bank headquartered in Norwich, NY, operating over 170 banking locations across seven states including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The bank provides personal banking, commercial banking, and wealth management services through digital channels and branch locations. Established in 1856, NBT Bank is a trusted financial institution serving individuals and businesses throughout the Northeast.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (13 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
NBT Bank, National Association ranks #206 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of NBT Bank, National Association’s 7(a) acquisition lending falls in the $0-$500K range: 11 loans, 84.6% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 11 | 84.6% | |
| $500K-$1M | 2 | 15.4% |
Industries with highest loan volume
Nursery, Garden Center, and Farm Supply Retailers
2
loans
$213K
avg. amount
Beer, Wine, and Liquor Retailers
1
loans
$540K
avg. amount
Promoters of Performing Arts, Sports, and Similar Events with Facilities
1
loans
$148K
avg. amount
Other Business Service Centers (including Copy Shops)
1
loans
$100K
avg. amount
Graphic Design Services
1
loans
$130K
avg. amount
Gift, Novelty, and Souvenir Retailers
1
loans
$284K
avg. amount
Electronics and Appliance Retailers
1
loans
$805K
avg. amount
Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers
1
loans
$135K
avg. amount
Office Supplies and Stationery Retailers
1
loans
$104K
avg. amount
Freight Transportation Arrangement
1
loans
$194K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
NBT Bank, National Association’s median variable rate is + 0.50%, against a market median of Prime + 1.88%, 138 below market.
12 of the 13 loans in its trailing three-year book carried a fixed rate; the rest were variable.
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 0.50% |
over at time of loan origination
NBT Bank, National Association has originated 7(a) acquisition loans in 3 states, most actively in New York (11), New Hampshire (1) and Massachusetts (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| New York | 11 | 84.6% |
| New Hampshire | 1 | 7.7% |
| Massachusetts | 1 | 7.7% |
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