XML 66 R52.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2018
Regulatory Capital Requirements [Abstract]  
Compliance with Regulatory Compliance Requirements Under Banking Regulations
The Company and NBT Bank’s actual capital amounts and ratios are presented as follows:

 
 
Actual
  
Regulatory Ratio Requirements
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Minimum
Capital Adequacy
  
Minimum plus Buffer
  
For Classification
as Well- Capitalized
 
As of December 31, 2018
               
Tier I Capital (to average assets)
               
Company
 
$
880,448
   
9.52
%
  
4.00
%
     
5.00
%
NBT Bank
  
825,863
   
8.98
%
  
4.00
%
     
5.00
%
Common Equity Tier 1 Capital
                   
Company
  
783,448
   
10.49
%
  
4.50
%
  
6.375
%
  
6.50
%
NBT Bank
  
825,863
   
11.14
%
  
4.50
%
  
6.375
%
  
6.50
%
Tier I Capital (to risk-weighted assets)
                    
Company
  
880,448
   
11.79
%
  
6.00
%
  
7.875
%
  
8.00
%
NBT Bank
  
825,863
   
11.14
%
  
6.00
%
  
7.875
%
  
8.00
%
Total Capital (to risk-weighted assets)
                    
Company
  
954,232
   
12.78
%
  
8.00
%
  
9.875
%
  
10.00
%
NBT Bank
  
899,647
   
12.14
%
  
8.00
%
  
9.875
%
  
10.00
%
 
                    
As of December 31, 2017
                    
Tier I Capital (to average assets)
                    
Company
 
$
810,445
   
9.14
%
  
4.00
%
      
5.00
%
NBT Bank
  
756,521
   
8.59
%
  
4.00
%
      
5.00
%
Common Equity Tier 1 Capital
                    
Company
  
713,445
   
10.06
%
  
4.50
%
  
5.750
%
  
6.50
%
NBT Bank
  
756,521
   
10.74
%
  
4.50
%
  
5.750
%
  
6.50
%
Tier I Capital (to risk-weighted assets)
                    
Company
  
810,445
   
11.42
%
  
6.00
%
  
7.250
%
  
8.00
%
NBT Bank
  
756,521
   
10.74
%
  
6.00
%
  
7.250
%
  
8.00
%
Total Capital (to risk-weighted assets)
                    
Company
  
880,874
   
12.42
%
  
8.00
%
  
9.250
%
  
10.00
%
NBT Bank
  
826,950
   
11.74
%
  
8.00
%
  
9.250
%
  
10.00
%