Community Reinvestment Act

Community Reinvestment Act (CRA) Public File

The Community Reinvestment Act (CRA) encourages depository institutions, like NBT Bank, to help meet the credit needs of the communities in which they operate, including low- and moderate-income (LMI) neighborhoods, consistent with safe and sound banking operations. Institutions must also maintain and update a public file that contains specific information regarding its CRA performance. Below you can find NBT Banks' Abbreviated CRA Public File documents.

Abbreviated Public File Information

For complete information, please visit your local branch.

CRA Public Files and Notices

Branch Listing

Opened and Closed Branches

Branch Hours

Credit, Deposit, & Other Services

Pricing Schedule

Assessment Area

CRA Disclosures

HMDA Disclosures