NBT FINANCIAL BANK is an 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 4.21%. CET1 capital ratio: 13.93%, well above regulatory minimums. NPL ratio: 2.25% · Texas Ratio: 14.90%. Operates 5 domestic branches.
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