STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,588
2010–2026
Total Volume
$439M
Gross loan amounts
States Active
9
With recorded loans
Programs
7(a) & 504
1583 total segments
NBT Bank has a strong focus on existing businesses, with 55% of its deals supporting established companies. This could be beneficial if you're looking to acquire or expand an existing business.
With an average 7(a) spread of P+1.74%, NBT Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money over the life of your loan.
Despite a solid volume of SBA deals, NBT Bank's growth trend shows a 24% decline year-over-year. This may indicate a tightening in lending standards, which could affect your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 221 504 loans, which use fixed SBA debenture rates.
States where NBT Bank, National Association has recorded SBA lending activity.
+ 4 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for NBT Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Restaurants & Food Service · Under $150K | 7(a) | 109 | P+2.25% | $70K | Q3 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 71 | P+2.00% | $65K | Q1 2025 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 70 | P+2.00% | $74K | Q2 2025 |
| New York · Wholesale Trade · Under $150K | 7(a) | 43 | P+2.00% | $63K | Q3 2023 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 35 | P+2.00% | $71K | Q2 2025 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 34 | P+2.00% | $57K | Q2 2025 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 32 | P+2.00% | $79K | Q3 2022 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 32 | P+2.50% | $57K | Q4 2025 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 30 | P+1.75% | $72K | Q1 2023 |
| New York · Retail Trade · Under $150K | 7(a) | 28 | P+2.25% | $64K | Q3 2024 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 28 | P+2.00% | $88K | Q1 2021 |
| New York · Manufacturing · $150K – $350K | 7(a) | 27 | P+2.00% | $276K | Q4 2025 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 26 | P+2.25% | $63K | Q4 2018 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 24 | P+2.25% | $269K | Q3 2025 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 21 | P+2.25% | $85K | Q3 2022 |
| New York · General Merchandise · Under $150K | 7(a) | 20 | P+2.25% | $55K | Q3 2019 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 19 | P+2.15% | $44K | Q2 2024 |
| New York · Accounting & Tax · Under $150K | 7(a) | 18 | P+2.13% | $56K | Q1 2025 |
| New York · Other Repair & Services · Under $150K | 7(a) | 17 | P+2.00% | $75K | Q1 2024 |
| New York · Administrative & Waste Services · $150K – $350K | 7(a) | 17 | P+1.50% | $225K | Q4 2022 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 17 | P+2.00% | $74K | Q3 2024 |
| New York · Wholesale Trade · $150K – $350K | 7(a) | 15 | P+1.50% | $238K | Q2 2023 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 14 | P+2.00% | $69K | Q3 2025 |
| New York · Real Estate · Under $150K | 7(a) | 14 | P+1.88% | $68K | Q1 2021 |
| New York · Specialty Trade Contractors · $150K – $350K | 7(a) | 12 | P+1.00% | $285K | Q4 2025 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with NBT Bank, National Association.
No reviews yet. Be the first to review NBT Bank, National Association.