9. NBT Bancorp (NBTB)
Headquarters: Norwich, N.Y.
Total Assets: $5.5 billion
Price/Book: 1.4
NPLs/Loans: 1.1%
Reserves/NPLs: 165%
Profit Margin: 22.04%
Operating Margin : 36.81%
Full Time Employees: 1,411
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