NBT Financial Bank
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Data as of · sourced from FFIEC call reports. How we update
NBT Financial Bank is an FDIC-insured commercial bank headquartered in Fort Worth, TX, established in 1973 (FDIC certificate 21329), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $618.7M, up 15.5% from Q2 2025, the 138th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21329
- Headquarters
- Fort Worth, TX
- Established
- 1973
- Total assets, Q2 2026
- $618.7M
- Assets vs Q2 2025
- +15.5%
- CET1 ratio, Q2 2026
- 14.06%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111900549
- Latest call report
- Q2 2026, FFIEC 051 · NBT Financial Bank call report
- Holding company
- HORIZON BANKSHARES, INC.
- Asset rank in state
- 138th of 346 in Texas
NBT Financial Bank, based in Fort Worth, Texas, reported $619 million in assets at June 30, 2026, up 15.5% from a year earlier. It carries problem assets equal to 14.8% of the capital and reserves that would absorb them, 5.6 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 14.8% over the year, 3.7 times the median of 4.0% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 0.7% and deposits rose 14.8%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.29% of loans from 2.17% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, NBT Financial Bank reported a CET1 capital ratio of 14.06%, a return on assets of 1.12%, a nonperforming-loan ratio of 2.29% and a Texas ratio of 14.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, NBT Financial Bank is the 138th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.4% to $618.7M, loans rose 2.0% and deposits rose 3.5%. Its loan book on June 30, 2026 was led by construction and land development loans, at 25.4% of total loans, followed by 1-4 family residential loans at 21.0%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Fort Worth 2 offices book 31% of its branch deposits. By the capital ratios in its Q2 2026 call report, NBT Financial Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 29, 1973
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $540.1M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $601.8M
- Average total loans
- $452.8M
- Average interest-bearing deposits
- $365.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 29, 1973
- FDIC Cert
- 21329
- Fed RSSD
- 406059
- SEC CIK
- 1709025 → filed by HORIZON BANKSHARES, INC.
- Website
- www.nbt.bank →
- Parent Holding Company
- HORIZON BANKSHARES, INC. (RSSD 1133026)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, NBT Financial Bank's total assets ranged from $436.9M (Q3 2023) to $620.8M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$618.7M total assets against $535.9M; $553.9M total liabilities against $478.5M.
$452.5M net loans and leases against $456.3M; $540.1M total deposits against $470.6M.
$6.3M securities against $7.1M; $134.9M cash and balances due against $50.8M.
$9.3M total interest income against $8.8M; $2.8M total interest expense against $3.0M.
$6.5M net interest income against $5.9M.
$522K total noninterest income against $486K; $4.8M total noninterest expense against $4.2M.
$75K provision for credit losses against $106K.
$1.7M net income against $1.6M.
1.12% return on assets against 1.15%; 4.50% net interest margin against 4.50%.
14.06% CET1 capital ratio against 12.91%; 10.85% tier 1 leverage ratio against 10.69%.
Inside the full NBT Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
NBT Financial Bank rankings
Its closest position to the top of a national ranking is 321 of 3,640, for Texas Ratio; its furthest is 2,617 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.12% (Q2 2026) to 1.49% (Q1 2026) and its net interest margin ran from 4.20% (Q4 2025) to 4.85% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.06% | 1.12% | 2.29% | 14.83% | 4.50% |
| Q1 2026 | 14.02% | 1.49% | 2.28% | 14.85% | 4.30% |
| Q4 2025 | 13.93% | 1.23% | 2.33% | 15.38% | 4.20% |
| Q3 2025 | 12.88% | 1.17% | 2.18% | 15.63% | 4.64% |
| Q2 2025 | 12.91% | 1.15% | 2.17% | 15.98% | 4.50% |
| Q1 2025 | 12.91% | 1.15% | 2.31% | 16.99% | 4.61% |
| Q4 2024 | 12.72% | 1.21% | 2.34% | 17.53% | 4.54% |
| Q3 2024 | 12.74% | 1.33% | 1.31% | 9.88% | 4.85% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| NBT Financial Bank (main office) | Fort Worth , TX | 76106 | $155.9M |
| Precinct Line Branch | Hurst , TX | 76054 | $142.2M |
| Burleson Branch | Burleson , TX | 76028 | $116.5M |
| Azle Branch | Azle , TX | 76020 | $98.0M |
| Willow Park Branch | Willow Park , TX | 76087 | $16.5M |
| Camp Bowie Branch | Fort Worth , TX | 76116 | $11.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 177 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 77 applications, 43 loans originated, $20.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $425K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 57 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about NBT Financial Bank
What are NBT Financial Bank's total assets?
As of the Q2 2026 filing, NBT Financial Bank reported total assets of $618.7 million in its FFIEC call report.
Where is NBT Financial Bank headquartered?
It is headquartered in Fort Worth, TX, United States.
When was NBT Financial Bank founded?
It was established in 1973, per the FDIC institution directory.
Is NBT Financial Bank FDIC-insured?
Yes. It 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.
What is NBT Financial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does NBT Financial Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NBT Financial Bank's Texas Ratio?
Its Texas Ratio is 14.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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