Nbt Financial Bank
Operating from Fort Worth, TX, Nbt Financial Bank serves its local market as an FDIC-insured commercial bank. Total assets stand at $598M. Profitability is strong — 1.49% ROA, paired with 14.07% ROE and a 4.30% net interest margin. Regulatory capital is solid — 14.02% CET1 and 15.28% total risk-based capital ratio. Credit conditions bear watching: 2.23% NPL ratio with a 14.85% Texas Ratio (elevated but below the 100% concern level). It operates 6 branches, primarily in Texas.
Headquarters Profile
- Address
- 2535 Ne 28th St, FORT WORTH, TX 76106
- County
- Tarrant
- Metro Area
- DALLAS-FORT WORTH-ARLINGTON, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- November 29, 1973
- Branches
- 6 domestic
- Employees (FTE)
- 77
- FDIC Cert
- 21329
- Fed RSSD
- 406059
- Website
- www.nbt.bank →
- Parent Holding Company
- HORIZON BANKSHARES, INC. (RSSD 1133026)
Capital & Liquidity
Inside the full Nbt Financial Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Nbt Financial Bank — freeThis is just Nbt Financial Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Nbt Financial Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
Compare Nbt Financial Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Nbt Financial Bank
What are Nbt Financial Bank's total assets?
As of the Q1 2026 filing, Nbt Financial Bank reported total assets of $598.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Nbt Financial Bank headquartered?
Nbt Financial Bank is headquartered in FORT WORTH, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Nbt Financial Bank founded?
Nbt Financial Bank was established in 1973, per the FDIC institution directory.
Is Nbt Financial Bank FDIC-insured?
Yes. Nbt Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #21329). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nbt Financial Bank?
Nbt Financial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Nbt Financial Bank's CET1 capital ratio?
Nbt Financial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.02% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Nbt Financial Bank operate?
Nbt Financial Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Nbt Financial Bank's Texas Ratio?
Nbt Financial Bank's Texas Ratio is 14.85% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Nbt Financial Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required