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Regulatory Capital Requirements | 12 Months Ended
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Dec. 31, 2014
Regulatory Capital Requirements [Abstract] |
Regulatory Capital Requirements | (16) Regulatory Capital Requirements The Company and NBT Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, NBT Bank must meet specific capital guidelines that involve quantitative measures of NBT Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and NBT Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 Capital to risk-weighted assets and of Tier 1 capital to average assets. As of December 31, 2014 and 2013, the Company and NBT Bank meet all capital adequacy requirements to which they were subject. Under their prompt corrective action regulations, regulatory authorities are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution. Such actions could have a direct material effect on an institution’s financial statements. The regulations establish a framework for the classification of banks into five categories: well capitalized, adequately capitalized, under capitalized, significantly under capitalized, and critically under capitalized. As of December 31, 2014, the most recent notification from NBT Bank’s regulators categorized NBT Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized NBT Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 capital to average asset ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed NBT Bank’s category. 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 |  |  | For classification as well capitalized |
As of December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets): |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 777,651 |  |  |  | 13.50 | % |  |  | 8.00 | % |  |  | 10.00 | %
NBT Bank |  |  | 727,771 |  |  |  | 12.72 | % |  |  | 8.00 | % |  |  | 10.00 | %
Tier I Capital (to risk weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 709,965 |  |  |  | 12.32 | % |  |  | 4.00 | % |  |  | 6.00 | %
NBT Bank |  |  | 660,086 |  |  |  | 11.54 | % |  |  | 4.00 | % |  |  | 6.00 | %
Tier I Capital (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 709,965 |  |  |  | 9.39 | % |  |  | 4.00 | % |  |  | 5.00 | %
NBT Bank |  |  | 660,086 |  |  |  | 8.79 | % |  |  | 4.00 | % |  |  | 5.00 | %
As of December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to risk weighted assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 723,580 |  |  |  | 12.99 | % |  |  | 8.00 | % |  |  | 10.00 | %
NBT Bank |  |  | 686,194 |  |  |  | 12.41 | % |  |  | 8.00 | % |  |  | 10.00 | %
Tier I Capital (to risk weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 653,950 |  |  |  | 11.74 | % |  |  | 4.00 | % |  |  | 6.00 | %
NBT Bank |  |  | 617,038 |  |  |  | 11.16 | % |  |  | 4.00 | % |  |  | 6.00 | %
Tier I Capital (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 653,950 |  |  |  | 8.93 | % |  |  | 4.00 | % |  |  | 5.00 | %
NBT Bank |  |  | 617,038 |  |  |  | 8.47 | % |  |  | 4.00 | % |  |  | 5.00 | %

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826 + Details
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