NBT Bank, National Association
- Loans
- 7
- Approved
- $1M
- Median deal
- $147,500
- Median rate
- 7.75%
#195 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 2 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 4 |
| FY2021 | 8 |
| FY2022 | 6 |
| FY2023 | 5 |
| FY2024 | 9 |
| FY2025 | 5 |
| FY2026 (partial year, through June 30, 2026) | 2 |
How they lend
Across 7 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 39 (15.8%)Other purposes 208 (84.2%)
Their full 7(a) book since FY2020 is 247 loans. Every other figure on this page counts the 39 acquisition loans only.
Initial rate structure
Variable 0.00%Fixed 100.00%
- Middle half of rates
- 7.13% to 8.13%
- Median term
- 84 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 0.00% of loans
- Franchise loans
- 0.00% of loans
Processing method
| Preferred Lenders Program | 85.71% | |
| 7a General | 14.29% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 7 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Professional, Scientific, and Technical Services | 28.57% | |
| Administrative and Support and Waste Management and Remediation Services | 14.29% | |
| Arts, Entertainment, and Recreation | 14.29% | |
| Manufacturing | 14.29% | |
| Retail Trade | 14.29% |
Deal size mix
Under $350K 85.71%$350K to $1M 14.29%$1M to $3.5M 0.00%$3.5M+ 0.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Where they lend
Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.
- New York5 loans
- Massachusetts1 loan
- New Hampshire1 loan
Grouped by ProjectState. State names link to the state lender pages where one exists.
NBT Bank, National Association: SBA acquisition lending, answered
Does NBT Bank, National Association make SBA acquisition loans?
Yes. NBT Bank, National Association was approved for 39 SBA 7(a) change-of-ownership loans since FY2020, including 7 in FY2025 to FY2026 Q3. That ranks it #195 of 249 acquisition lenders by loan count in that window. Acquisitions are 15.8% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does NBT Bank, National Association charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 7.75%, against a national median of 9.25%. Half of them started between 7.13% and 8.13%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are NBT Bank, National Association's SBA acquisition loans?
The median deal was $147,500, against a national median of $709,300. In total it has approved $1M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
What kinds of businesses does NBT Bank, National Association finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Professional, Scientific, and Technical Services and Administrative and Support and Waste Management and Remediation Services. 0.00% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
Open the deal analyzerThe full lender directory
Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.
Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for NBT Bank, National Association. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.