United States · Financial institution
Nbt Bank, National Association
NBT Bank, National Association is a federally chartered national bank headquartered in Norwich, New York. Its history goes back to 1856. It is the only bank subsidiary of NBT Bancorp Inc., a financial holding company listed on the Nasdaq Global Select Market. The bank provides retail, commercial and wealth management services to individuals, businesses and municipalities. Its branches are in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. It absorbed Salisbury Bank and Trust Company in August 2023 and Evans Bank, N.A. on 2 May 2025.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- NBTNUS31XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of NBTNUS31 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2015-05-02
- Last updated
- 2020-06-22
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% NBT Bancorp Inc.
Institution type
Commercial bank
Trades as NBT Bank
- Standing
- Evans Bank, N.A. merged into the bank on 2 May 2025. The bank continues to operate under its existing name and charter.
- Ownership
- NBT Bancorp Inc. holds 100% of the bank's common stock and is itself listed on the Nasdaq Global Select Market.
- Direct parent
- NBT Bancorp Inc., United States 100%
- Head office
- 52 South Broad Street, 13815 Norwich, United States
- Company register
- FDIC cert 7230; Federal Reserve RSSD ID 702117
- Former names
- The National Bank and Trust Company · The National Bank and Trust Company of Norwich · National Bank of Norwich · Bank of Norwich
Business lines
According to NBT Bancorp's 2025 annual report, the bank provides commercial banking, retail banking and wealth management services to retail, commercial and municipal customers in upstate New York, Pennsylvania and New England.
Online
- Websites & references
- nbtbank.com ↗
nbtbancorp.com ↗ investor relations site of parent NBT Bancorp Inc.
Wikipedia ↗ - Official social accounts
- None found
Sources · 11 pages consulted
- nbtbancorp.com/bn/management.html
- nbtbancorp.com/bn/board-of-directors.html
- nbtbank.com/news/
- nbtbank.com/Business/Products-and-Services/Business-and-Commercial-Banking/Treasury-Management/Payabl
- sec.gov/Archives/edgar/data/790359/000114036126029754/ef20078819_ex99-1.htm
- nbtbancorp.com/bn/assets/pdfs/AnnualReport10-K.pdf
- globenewswire.com/news-release/2025/05/05/3074130/15780/en/nbt-bancorp-inc-completes-merger-with-evans-banc
- occ.gov/news-issuances/news-releases/2025/nr-occ-2025-20.html
- nbtbank.com/news/leadership-transition.html
- ffiec.gov/npw/Institution/Profile/702117?dt=20141231
- en.wikipedia.org/wiki/NBT_Bank
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Scott A. Kingsley President and CEO, NBT Bancorp Inc.
- Chair
- Martin A. Dietrich Chairman of the Board, NBT Bancorp Inc. and NBT Bank
- Chief financial officer
- Annette L. Burns Executive Vice President and Chief Financial Officer
- Executive
- Joseph R. Stagliano Senior Executive Vice President and President of NBT Bank, N.A.
- Executive
- Joseph P. Sergienko Senior Vice President and Chief Risk Officer
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- United States
- Office of the Comptroller of the Currency Prudential supervisorAML supervisorConduct
- United States
- Federal Reserve System Central bank
- United States
- Federal Deposit Insurance Corporation Resolution
- United States
- Consumer Financial Protection Bureau Conduct
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
The bank appointed Joe Sergienko as Chief Risk Officer and Tara Trafton as Chief Credit Officer after Amy Wiles stepped down from both roles.
nbtbank.com ↗ -
Merger / acquisition
Evans Bank, N.A. merged into the bank on 2 May 2025, adding 18 banking offices in the Buffalo and Rochester areas.
globenewswire.com ↗ -
Enforcement
The OCC issued a prohibition order against a former assistant branch manager of the bank for unauthorised withdrawals from a customer's account.
occ.gov ↗ -
Leadership
Scott A. Kingsley succeeded John H. Watt, Jr. as Chief Executive Officer under the group's CEO succession plan.
nbtbank.com ↗ -
Merger / acquisition
Salisbury Bank and Trust Company merged into the bank on 11 August 2023, adding offices in Connecticut, New York and Massachusetts.
stocklight.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- NBTNUS31XXX
- How the BIC breaks down
- NBTNBank
- USCountry · United States
- 31Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 5493009BOQDC6PCFR785
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 52 BROAD ST NORWICH 13815 UNITED STATES OF AMERICA
- Operational address
- 52 SOUTH BROAD NORWICH,NY NORWICH,NY 13815 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>NBTNUS31XXX</BICFI>
<LEI>5493009BOQDC6PCFR785</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>NBTNUS31XXX</BICFI>
<LEI>5493009BOQDC6PCFR785</LEI>
<Nm>NBT BANK, NATIONAL ASSOCIATION</Nm>
<PstlAdr>
<TwnNm>NORWICH</TwnNm>
<Ctry>US</Ctry>
<AdrLine>52 BROAD ST NORWICH 13815</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Claim this profile
Work at Nbt Bank, National Association?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo