BanksNBT FINANCIAL BANK

NBT FINANCIAL BANK

FORT WORTH, TXMediumEst. Nov. 29, 1973, midnightFDIC #21329RSSD #406059FDIC
Latest · 2025-12-31

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 4.38%. CET1 capital ratio: 13.93%, well above regulatory minimums. NPL ratio: 2.25% · Texas Ratio: 14.90%. Operates 5 domestic branches.

Assets
$588M
Deposits
$514M
Loans
$444M
Equity
$62M

Profitability

Return on Assets (ROA)1.23%
Return on Equity (ROE)12.28%
Net Interest Margin4.38%
Yield on Assets6.73%
Cost of Funds2.41%

Asset Quality

NPL Ratio2.25%
Net Charge-Off Ratio0.00%
Texas Ratio14.90%
NPA Ratio1.70%
ACL / Loans1.27%

Capital & Liquidity

CET1 Ratio13.93%
Tier 1 Capital13.93%
Total Capital Ratio15.18%
Leverage Ratio10.29%
Loan-to-Deposit86.52%

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