NBT FINANCIAL BANK

FORT WORTH, TX | Medium | Est. Nov. 29, 1973, midnight | FDIC #21329 | RSSD #406059 | FDIC
Latest Report: 2025-12-31

NBT FINANCIAL BANK is amn medium FDIC-insured commercial bank headquartered in FORT WORTH, TX, established in Nov. 29, 1973, midnight. As of 2025-12-31, the bank reported total assets of $588M and total deposits of $514M. Profitability stands at 1.23% ROA and 12.28% ROE, with a net interest margin of 4.38%. The bank's CET1 capital ratio is 13.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.25% and a Texas Ratio of 14.90%. FDIC Certificate #21329.

Assets

$588M

Deposits

$514M

Loans

$444M

Equity

$62M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 12.28%
Net Interest Margin (NIM) 4.38%
Yield on Assets 6.73%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 2.25%
Net Charge-Off Ratio 0.00%
Texas Ratio 14.90%
NPA Ratio 1.70%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 13.93%
Tier 1 Capital 13.93%
Total Capital Ratio 15.18%
Leverage Ratio 10.29%
Loan-to-Deposit 86.52%

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