NBT Bank, National Association
Headquartered in NORWICH, NY. Analysis based on 233 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $83.0M.
Total 7(a) loans
233
Total approved
$83.0M
Average loan
$356K
States funded in
7
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
22.73%
Average rate
6.47%
Average term
127 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 9 |
| 561730 | Landscaping Services | 7 |
| 312120 | Breweries | 7 |
| 722511 | Full-Service Restaurants | 6 |
| 541211 | Offices of Certified Public Accountants | 5 |
| 541990 | All Other Professional, Scientific, and Technical Services | 5 |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 4 |
| 541519 | Other Computer Related Services | 4 |
| 541320 | Landscape Architectural Services | 4 |
| 812910 | Pet Care (except Veterinary) Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| NY | 184 |
| NH | 17 |
| CT | 12 |
| VT | 7 |
| MA | 6 |
| ME | 4 |
| PA | 3 |
Top franchise brands financed
8 franchise loans across 8 distinct brands.
| Franchise | Loans |
|---|---|
| Fleet Feet Sports | 1 |
| Little Caesars | 1 |
| NerdsToGo | 1 |
| Carstar | 1 |
| Style Encore | 1 |
| Nothing Bundt Cakes | 1 |
| ServiceMaster | 1 |
| D1T raining | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.