NBT Financial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 3.9% in Q2 2026 to $45.1M, the biggest move on this page. Within Texas, NBT Financial Bank is 139th of 184 on CET1 ratio, 14.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. NBT Financial Bank sits 1.01 points lower, at 14.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.06% |
| Tier 1 risk-based capital ratio | 14.06% |
| Total risk-based capital ratio | 15.31% |
| Tier 1 leverage ratio | 10.85% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $65.3M |
| Tier 1 capital | $65.3M |
| Total risk-based capital | $71.1M |
| Total equity capital | $64.8M |
| Risk-weighted assets | $464.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.47% |
| Tangible equity to tangible assets | 10.47% |
| Equity capital to average assets | 10.77% |
| Internal capital growth rate | 4.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $557K |
| Common stock surplus | $19.7M |
| Retained earnings | $45.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$523K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.46% | 13.46% | 14.71% | 10.46% | $343.5M |
| Q4 2023 | 13.97% | 13.97% | 15.22% | 10.73% | $340.7M |
| Q1 2024 | 13.94% | 13.94% | 15.19% | 10.86% | $350.0M |
| Q2 2024 | 13.13% | 13.13% | 14.38% | 10.85% | $382.7M |
| Q3 2024 | 12.74% | 12.74% | 13.99% | 10.89% | $407.2M |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 11.08% | $428.5M |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 11.13% | $434.7M |
| Q2 2025 | 12.91% | 12.91% | 14.16% | 10.69% | $449.9M |
| Q3 2025 | 12.88% | 12.88% | 14.13% | 10.70% | $466.9M |
| Q4 2025 | 13.93% | 13.93% | 15.18% | 10.29% | $446.3M |
| Q1 2026 | 14.02% | 14.02% | 15.28% | 10.79% | $452.9M |
| Q2 2026 | 14.06% | 14.06% | 15.31% | 10.85% | $464.5M |
NBT Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Financial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full NBT Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21329) · FFIEC NIC profile (RSSD 406059)