NBT Bank, National Association in Norwich, New York (NY), PA, MA, VT
Overview, Financial Summary, Detailed Financial Reports, Branches


NBT Bank, National Association - Overview

  • General
  • FDIC Certificate #: 7230
    Status: Active
    Federal Reserve ID: 702117
    Bank Holding Company (Regulatory Top Holder): Nbt Bancorp Inc. (RSSDID: 1139279, Location: Norwich, NY)
    Date Established: March 03, 1856
    WWW: http://www.nbtbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 133 (Domestic: 129, Interstate: Yes)
    OTS Docket #: 10286
    FDIC's unique #: 4765
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 21, 2012
    Last Structure Change Process Date: Febuary 02, 2012
    Last Data Update: Febuary 02, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 52 South Broad Street, Norwich, NY 13815
    County: Chenango
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $5,558.5 mil
    Equity capital: $580.5 mil
    Deposits held in domestic offices: $4,381.4 mil
    Return on assets (ROA): 1.10% ($61.1 mil)
    Quarterly return on assets: 1.09% ($60.6 mil)
    Return on Equity (ROE): 10.44% ($60.7 mil)
    Quarterly return on equity: 10.41% ($60.5 mil)
    Net income: $59.7 mil
    Quarterly Net income: $15.0 mil
    Pretax return on assets: 1.50% ($83,378.0 mil)
    Quarterly Pretax return on assets: 1.40% ($77,819.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 1,061Total employees (full-time equivalent)
  • $5,558,535Total assets
  • $128,701Cash and due from depository institutions
  • $507Interest-bearing balances
  • $1,305,605Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,728,869Net loans & leases
  • $71,334Loan loss allowance
  • $511Trading account assets
  • $63,047Bank premises and fixed assets
  • $2,160Other real estate owned
  • $119,195Goodwill and other intangibles
  • $5,558,535Life insurance assets
  • $210,447All other assets
  • $4,977,989Total liabilities and capital
  • $4,381,429Total liabilities
  • $4,051,731Total deposits
  • $4,381,429Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 181591.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $364,400Trading liabilities
  • $0Other borrowed funds
  • $50,569Subordinated debt
  • $580,546All other liabilities
  • $580,546Total equity capital
  • $580,546Total bank equity capital
  • $0Perpetual preferred stock
  • $25,000Common stock
  • $201,917Surplus
  • $353,629Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,674Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41,483Income earned, not collected on loans
  • $3,058Earning assets
  • $17,800Long-term assets (5+ years)
  • $5,035,492Average Assets, year-to-date
  • $1,069,686Average Assets, quarterly
  • $5,406,407Volatile liabilities
  • $5,496,968Insider loans
  • $4,120,971FHLB advances
  • $5,443,039Loans and leases held for sale
  • $74,121Unused loan commitments
  • $74,121Tier 1 (core) risk-based capital
  • $454,476Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $764,873Restructured Loans and leases
  • $4,800Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $239,598Total interest income
  • $37,634Total interest expense
  • $201,964Net interest income
  • $20,737Provision for loan and lease losses
  • $55,968Total noninterest income
  • $9,261Fiduciary activities
  • $21,464Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25,243Additional noninterest income
  • $156,025Total noninterest expense
  • $45,480Salaries and employee benefits
  • $15,847Premises and equipment expense
  • $94,698Additional noninterest expense
  • $81,170Pre-tax net operating income
  • $182Securities gains (losses)
  • $21,670Applicable income taxes
  • $59,682Income before extraordinary items
  • $0Extraordinary gains - net
  • $59,682Net income attributable to bank
  • $0Net charge-offs
  • $59,682Cash dividends
  • $20,637Sale, conversion, retirement of capital stock, net
  • $54,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.10%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 10.44%Return on equity (ROE)
  • 0.92%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 100.48%Credit loss provision to net charge-offs
  • 4.94%Efficiency ratio
  • 60,096Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.15%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 171.96%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 85.11%Net loans and leases to core deposits
  • 89.28%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 11.03%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $5,406,407Average earning assets
  • $571,647Average equity
  • $4,920,097Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,688,520Managed Assets
  • 1Number of Accounts
  • $1,034,069Personal trust and agency accounts
  • $292,283Employee benefit-defined contribution accounts
  • $44,693Employee benefit-defined benefit accounts
  • $147,577Other retirement accounts
  • $67,356Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $370,073Other fiduciary accounts
  • $112,087Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2039Number of Accounts
  • $0Personal trust and agency accounts
  • $67,356Employee benefit-defined contribution accounts
  • $244Employee benefit-defined benefit accounts
  • $654,451Other retirement accounts
  • $1,966Corporate trust and agency accounts
  • $474,748Other fiduciary accounts
  • $22,106Fiduciary accounts held in foreign offices

List of branches

  • 5 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    168291410Free Standing Building Branch609 Merrill Road, Pittsfield, MA 1201September 11, 1971Full Service Brick and Mortar
    169291412Great Barrington Branch740 Main Street, Great Barrington, MA 1230December 12, 1975Full Service Brick and Mortar
    170168576 Park Street Branch76 Park Street, Lee, MA 1238January 01, 1835Full Service Brick and Mortar
    171474327State Road Branch331 State Road, North Adams, MA 1247March 19, 2007Full Service Brick and Mortar
    175528862Lenox Branch2 Holmes Road, Lenox, MA 1240Febuary 07, 2012Full Service Brick and Mortar
  • 89 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04765Nbt Bank, National Association52 South Broad Street, Norwich, NY 13815March 03, 1856Full Service Brick and Mortar
    1214791Afton Branch182 Main Street, Afton, NY 13730September 04, 1962Full Service Brick and Mortar
    2214792Bainbridge Branch9 North Main Street, Bainbridge, NY 13733December 09, 1938Full Service Brick and Mortar
    3214793Earlville Branch2 South Main Street, Earlville, NY 13332August 09, 1937Full Service Brick and Mortar
    4214794Grand Gorge BranchRte 23 & 30, Grand Gorge, NY 12434November 01, 1957Full Service Brick and Mortar
    5214795Margaretville Branch723 Main Street, Margaretville, NY 12455September 03, 1963Full Service Brick and Mortar
    6214796New Berlin Branch2 South Main Street, New Berlin, NY 13411December 23, 1946Full Service Brick and Mortar
    7214797Sherburne Branch30 North Main Street, Sherburne, NY 13460August 09, 1937Full Service Brick and Mortar
    8214798South Otselic Branch1572 State Highway 26, South Otselic, NY 13155October 01, 1945Full Service Brick and Mortar
    9214799North Plaza Branch117 State Hwy 320, Norwich, NY 13815April 02, 1969Full Service Brick and Mortar
    10214800South Plaza Branch5632 State Hwy 12, Norwich, NY 13815May 06, 1970Full Service Brick and Mortar
    114696Deposit Branch105 Front Street, Deposit, NY 13754May 09, 1909Full Service Brick and Mortar
    124755Newark Valley Branch2 North Main Street, Newark Valley, NY 13811September 11, 1911Full Service Brick and Mortar
    13214012Maine Branch2647 Main Street, Maine, NY 13802October 19, 1970Full Service Brick and Mortar
    144727Hobart Branch147 Maple Avenue, Hobart, NY 13788January 01, 1891Full Service Brick and Mortar
    154789Sidney Branch13 Division Street, Sidney, NY 13838July 11, 1931Full Service Brick and Mortar
    178740Oxford Branch10 North Canal Street, Oxford, NY 13830Febuary 23, 1934Full Service Brick and Mortar
    20214803Greene Branch80 South Chenango Street, Greene, NY 13778December 01, 1986Full Service Brick and Mortar
    214689Clinton Branch1 Kirkland Ave., Clinton, NY 13323December 19, 1912Full Service Brick and Mortar
    23213377Westgate Branch1148 Erie Boulevard West, Rome, NY 13440September 01, 1977Full Service Brick and Mortar
    25213765Gloversville Branch199 Second Avenue Extension, Gloversville, NY 12078May 01, 1961Full Service Brick and Mortar
    27213767Vail Mills Branch3711 State Hwy 30, Broadalbin, NY 12025November 24, 1975Full Service Brick and Mortar
    294723Hancock Branch11 East Main Street, Hancock, NY 13783April 01, 1907Full Service Brick and Mortar
    316047Lake Placid Branch2483 Main Street, Lake Placid, NY 12946May 03, 1909Full Service Brick and Mortar
    32220102Saranac Lake Branch209 Lake Flower Avenue, Saranac Lake, NY 12983June 13, 1966Full Service Brick and Mortar
    33220103Placid Outpost Office1944 Saranac Avenue, Lake Placid, NY 12946October 25, 1976Full Service Brick and Mortar
    37237051Plattsburgh Branch83 Margaret Street, Plattsburgh, NY 12901April 08, 1972Full Service Brick and Mortar
    38214806Binghamton Branch1256 Front Street, Binghamton, NY 13901March 29, 1993Full Service Brick and Mortar
    40213057Ellenburg Branch5084 Route 11, Ellenburg Depot, NY 12935May 21, 1956Full Service Brick and Mortar
    43214809Sangertown Branch8549 Seneca Turnpike, New Hartford, NY 13413December 16, 1995Full Service Brick and Mortar
    46214811Oneonta Southside Branch733 State Hwy 28, Oneonta, NY 13820January 14, 1998Full Service Brick and Mortar
    47214812Plattsburg Branch482 Route 3, Plattsburg, NY 12901May 04, 1998Full Service Brick and Mortar
    48214813Rome Black River Branch853 Black River Boulevard, Rome, NY 13440October 01, 1997Full Service Brick and Mortar
    49214814Oneonta Eastside Branch5582 State Hwy 7, Eastside, Town Of Oneonta, NY 13820May 24, 1999Full Service Brick and Mortar
    914762Norfolk Branch53 West Main Street, Norfolk, NY 13667October 16, 1916Full Service Brick and Mortar
    92214785Potsdam Branch6554 State Highway 56, Potsdam, NY 13676June 20, 1987Full Service Brick and Mortar
    93214786Canton Branch5 Park Place, Canton, NY 13617September 23, 1989Full Service Brick and Mortar
    94214787Massena Branch264 Main Street, Massena, NY 13662October 03, 1992Full Service Brick and Mortar
    95214788Malone Branch3392 State Route 11, Malone, NY 12953October 28, 1995Full Service Brick and Mortar
    96357297Ogdensburg Branch2800 Ford Street Extension, Ogdensburg, NY 13669July 12, 1999Full Service Brick and Mortar
    1004676Canajoharie Branch24 Church Street, Canajoharie, NY 13317April 03, 1855Full Service Brick and Mortar
    101213272Cherry Valley Branch16 Main Street, Cherry Valley, NY 13320January 02, 1963Full Service Brick and Mortar
    102213273Duanesburg Branch4957 Western Turnpike, Duanesburg, NY 12056October 28, 1963Full Service Brick and Mortar
    103213274Fonda Branch34 West Main Street, Fonda, NY 12068Febuary 02, 1953Full Service Brick and Mortar
    104213275Middleburg Branch299 Main Street, Middleburg, NY 12122November 01, 1954Full Service Brick and Mortar
    105213276St. Johnsville Branch16 West Main Street, St. Johnsville, NY 13452January 08, 1945Full Service Brick and Mortar
    106213277Sharon Springs Branch105 Main Street Suite 1, Sharon Springs, NY 13459May 01, 1944Full Service Brick and Mortar
    107213278Cobleskill Branch691 East Main Street, Cobleskill, NY 12043May 01, 1972Full Service Brick and Mortar
    108213279Fort Plain Branch41 Canal Street, Fort Plain, NY 13339June 26, 1972Full Service Brick and Mortar
    1094703Edmeston Branch1 West Street, Edmeston, NY 13335January 01, 1887Full Service Brick and Mortar
    110213280Richfield Springs Branch194 Main Street, Richfield Springs, NY 13439December 02, 1974Full Service Brick and Mortar
    111213281Schoharie Branch271 Main Street, Schoharie, NY 12157September 29, 1979Full Service Brick and Mortar
    112213282Palatine Bridge Branch44 Dutchtown Plaza, Palatine Bridge, NY 13428December 08, 1986Full Service Brick and Mortar
    113235192Middleville Branch12 North Main Street, Middleville, NY 13406November 25, 1957Full Service Brick and Mortar
    114213283Johnstown Branch142 North Comrie Avenue, Johnstown, NY 12095November 01, 1990Full Service Brick and Mortar
    115213284Cooperstown Branch2 Commons Drive, Cooperstown, NY 13326October 25, 1993Full Service Brick and Mortar
    116213285Amsterdam Branch106 Hannford Plaza, Amsterdam, NY 12010Febuary 07, 1994Full Service Brick and Mortar
    12043339Oneonta Wall Street BranchOne Wall Street, Oneonta, NY 13820January 01, 1888Full Service Brick and Mortar
    121280638Cooperstown Pioneer Street Branch62 Pioneer Street, Cooperstown, NY 13326January 01, 1888Full Service Brick and Mortar
    122280639Oneonta Oneida Street Branch107 Oneida Street, Oneonta, NY 13820January 01, 1888Full Service Brick and Mortar
    124358318Clifton Park9 Clifton Country Road, Clifton Park, NY 12065August 09, 1999Full Service Retail
    125358319Whitesboro Branch131 Oriskany Boulevard, Whitesboro, NY 13492August 09, 1999Full Service Brick and Mortar
    126358320Herkimer Branch399 East Albany Street, Herkimer, NY 13350November 13, 1999Full Service Brick and Mortar
    127358321Halfmoon Branch225 Guideboard Road, Halfmoon, NY 12065Febuary 28, 2000Full Service Brick and Mortar
    129366155Vestal Branch3121 Vestal Parkway East, Vestal, NY 13851November 04, 2002Full Service Brick and Mortar
    132423362Guilderland Branch5 New Karner Road, Guilderland, NY 12084October 06, 2003Full Service Brick and Mortar
    135428604Albany Financial Center Branch80 Wolf Road, Albany, NY 12205May 10, 2004Full Service Brick and Mortar
    136430782Binghamton Downtown Branch2-8 Hawley Street, Binghamton, NY 13901July 15, 2004Full Service Brick and Mortar
    139432606Endicott Branch1310 North Street, Endicott, NY 13760September 27, 2004Full Service Brick and Mortar
    141439347Albany State Street Branch54 State Street, Albany, NY 12207Febuary 07, 2005Full Service Brick and Mortar
    1424716Gloversville Financial Center Branch10-24 North Main Street, Gloversville, NY 12078January 01, 1887Full Service Brick and Mortar
    145213763Northville Branch312 Bridge Street, Northville, NY 12134December 08, 1990Full Service Brick and Mortar
    146213764Perth Branch4178 State Highway 30, Amsterdam, NY 12010October 05, 1996Full Service Brick and Mortar
    14741048Gloversville Fremont Street Branch12 Fremont Street, Gloversville, NY 12078January 01, 1923Full Service Brick and Mortar
    148265570Saratoga Springs Branch295 Broadway, Saratoga Springs, NY 12866January 01, 1923Full Service Brick and Mortar
    150215127Speculator BranchRoutes 8 And 30, Speculator, NY 12164March 01, 1955Full Service Brick and Mortar
    152468298Glens Falls86 Glen Street, Glens Falls, NY 12801September 07, 2007Full Service Brick and Mortar
    154470091Latham Branch703 Troy-Schenectady Road, Latham, NY 12110November 13, 2007Full Service Brick and Mortar
    155474364East Greenbush425 Columbia Turnpike, Rensselaer, NY 12144March 03, 2008Full Service Brick and Mortar
    156478559South Glens Falls Branch110 Main Street, South Glens Falls, NY 12803May 05, 2008Full Service Brick and Mortar
    157478560Johnson City Branch331 Main Street, Johnson City, NY 13790May 14, 2008Full Service Brick and Mortar
    158493346Whitney Branch2950 Us Highway 11, Whitney Point, NY 13862June 17, 2009Full Service Brick and Mortar
    159495990Queensbury Branch242 Quaker Road, Queensbury, NY 12804Febuary 23, 2010Full Service Brick and Mortar
    162512917Schenectady Branch419 State Street, Schenectady, NY 12305August 26, 2010Full Service Brick and Mortar
    166526229Utica Financial Center Branch270 Genesee Street, Utica, NY 13502September 26, 2011Full Service Brick and Mortar
    167526230Binghamton East Side156 Robison Street, Binghamton, NY 13904October 03, 2011Full Service Brick and Mortar
    172236471Windham Branch49 State Route 296, Windham, NY 12496December 23, 1996Full Service Brick and Mortar
    173236472Bryants Square BranchRoute 32, Greenville, NY 12083April 13, 1998Full Service Brick and Mortar
    174461665Elliott Place Branch4 Elliott Place, East Durham, NY 12423January 19, 2004Full Service Brick and Mortar
  • 36 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    514899Lake Ariel Branch1456 Lake Ariel Hwy, Lake Ariel, PA 18436January 01, 1910Full Service Brick and Mortar
    52215909Mount Cobb Branch1187 Mount Cobb Road, Mount Cobb, PA 18436November 16, 1981Full Service Brick and Mortar
    53215910Greene-Dreher Branch1008 Main Street, Newfoundland, PA 18445June 06, 1985Full Service Brick and Mortar
    54215911Hamlin Corner Branch575 Easton Turnpike, Hamlin, PA 18427September 01, 1986Full Service Brick and Mortar
    55215912Eynon Branch685 Scranton/Carbondale Hwy, Eynon, PA 18403September 08, 1987Full Service Brick and Mortar
    56215913Keyser Valley Scranton Branch130 North Keyser Avenue, Scranton, PA 18504December 17, 1990Full Service Brick and Mortar
    5739690Milford Twp. Pocono Branch101 Pocono Drive, Milford, PA 18337November 09, 1988Full Service Brick and Mortar
    58215914Steamtown Mall Branch220 Steamtown Mall Lackawanna Avenue, Scranton, PA 18503October 18, 1993Full Service Brick and Mortar
    59215915Clarks Green Branch318 East Grove Street, Clarks Green, PA 18411December 14, 1993Full Service Brick and Mortar
    60215919Milford Branch214 West Hartford Street, Milford, PA 18337December 23, 1996Full Service Brick and Mortar
    61215920Mountainhome BranchRoute 390, Mountainhome, PA 18342December 23, 1996Full Service Brick and Mortar
    63215926East Mountain Branch117 Meadow Avenue, Scranton, PA 18505June 30, 1998Full Service Brick and Mortar
    65215929Taylor Branch801 South Main Street, Taylor, PA 18517August 24, 1998Full Service Brick and Mortar
    66215931Wilkes-Barre Boulevard Branch171 North Wilkes Barre Boulevard, Wilkes-Barre, PA 18702July 12, 1999Full Service Brick and Mortar
    67228716Marshalls Creek BranchRoute 209, Marshalls Creek, PA 18335March 30, 1970Full Service Brick and Mortar
    684835Carbondale Main Branch41 North Main Street, Carbondale, PA 18407May 01, 1864Full Service Brick and Mortar
    69215505Archbald Branch3 John F Kennedy Drive, Archbald, PA 18403October 29, 1955Full Service Brick and Mortar
    70215506Dalton Branch105 West Main Street, Dalton, PA 18414May 03, 1965Full Service Brick and Mortar
    71215507Mayfield Branch500 Lackawanna Avenue, Mayfield, PA 18433Febuary 13, 1953Full Service Brick and Mortar
    72215508Elmhurst BranchRoute 435, Elmhurst, PA 18416December 11, 1971Full Service Brick and Mortar
    73215509Schoolside Branch140 Brooklyn Street, Carbondale, PA 18407Febuary 22, 1973Full Service Brick and Mortar
    758528Dickson City Branch736 Main Street, Dickson City, PA 18519January 01, 1934Full Service Brick and Mortar
    79215517The Kingston Branch455 Market Street, Kingston, PA 18704December 01, 1994Full Service Brick and Mortar
    80215518Dunmore Branch1230 O'neill Highway, Dunmore, PA 18512June 03, 1995Full Service Retail
    81215520Mount Pocono Branch99 Sr 940, Mount Pocono, PA 18344November 01, 1995Full Service Brick and Mortar
    844945Montrose Branch36 Public Avenue, Montrose, PA 18801Febuary 03, 1875Full Service Brick and Mortar
    86216150Susquehanna Branch1302 Main Street, Susquehanna, PA 18847May 27, 1944Full Service Brick and Mortar
    87216153Lenox Branch5910 State Rt 92, Kingsley, PA 18826October 05, 1970Full Service Brick and Mortar
    88216154Great Bend BranchRoute 11 And Mountain View Plaza, Great Bend, PA 18821November 07, 1973Full Service Brick and Mortar
    894957New Milford Branch841 Main Street, New Milford, PA 18834December 09, 1907Full Service Brick and Mortar
    98361767Lords Valley BranchRoute 739 Hc#8, Hawley, PA 18428July 01, 2000Full Service Brick and Mortar
    140437063Mountain Top Branch4 Mountain Boulevard, Mountain Top, PA 18707December 30, 2004Full Service Brick and Mortar
    151461753East Stroudsburg Branch107 Brown Street, Suite 100, East Stroudsburg, PA 18301January 25, 2007Full Service Brick and Mortar
    153469604Bartonsville Branch100 Crossroads Mall Route 611, Bartonsville, PA 18321November 08, 2007Full Service Brick and Mortar
    161511406Friendsville Branch29 Quaker Lake Road, Friendsville, PA 18818September 18, 2009Full Service Brick and Mortar
    163515767Backmountain Branch183 North Memorial Hwy, Shavertown, PA 18708December 13, 2010Full Service Brick and Mortar
  • 3 Vermont Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    160500180Burlington Branch150 Bank Street, Burlington, VT 5401December 01, 2009Full Service Brick and Mortar
    164517253Williston Branch1 Taft Cornes Shopping Center, Williston, VT 5495January 19, 2011Full Service Brick and Mortar
    165526228Essex Branch2 Commonwealth Avenue, Essex Junction, VT 5452October 05, 2011Full Service Brick and Mortar

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