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Lender stress: NBT Bancorp Inc.
Ticker NBTB. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at NBT Bancorp Inc.
Q2 2026Past-due and charge-off rates on credit card and auto loans of the banks NBT Bancorp Inc. owns, from FDIC call reports
US bank subsidiaries Q2 2026: card past due —, auto past due 1.04%. Banks: NBT BANK NATIONAL ASSN.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q2 2026 | — | — | — | $1.4B | 1.04% | 0.11% |
| Q1 2026 | — | — | — | $1.3B | 0.96% | 0.25% |
| Q4 2025 | — | — | — | $1.3B | 1.21% | 0.27% |
| Q3 2025 | — | — | — | $1.3B | 1.07% | 0.21% |
| Q2 2025 | — | — | — | $1.3B | 0.96% | 0.24% |
| Q1 2025 | — | — | — | $1.3B | 0.98% | 0.36% |
| Q4 2024 | — | — | — | $1.2B | 1.16% | 0.21% |
| Q3 2024 | — | — | — | $1.2B | 1.07% | 0.22% |
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. These are the figures of the lender's US bank subsidiaries, as filed with the FDIC, not of the holding company's whole business. A lender can hold part of its card or auto loans outside its banks. Past due means 30 or more days; charge-offs are the quarter's net charge-offs times four, over loans.
Credit card metrics at NBT Bancorp Inc.
Monthly charge-offs and late payments on card loans, from the issuer's SEC filings
Not reported for this lender.
Consumer complaints at NBT Bancorp Inc.
Complaints to the CFPB about the company
Not reported for this lender.
Information, not investment advice (disclaimer). All lenders.