NBT Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 7.48 percentage points in Q2 2026, from 155.70% to 163.18%. It was the largest change from Q1 2026 among the key lines here. Within Texas, NBT Financial Bank is 95th of 346 on loan-to-deposit ratio, 84.87% as of Q2 2026, above the middle of the field. NBT Financial Bank reported 84.87% on loan-to-deposit ratio for Q2 2026, 4.04 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $458.4M |
| Net loans and leases | $452.5M |
| Loans held for sale | $0 |
| Loans to total assets | 74.10% |
| Loan-to-deposit ratio | 84.87% |
| Net loans to equity capital | 6.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.27% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 19.62% |
| Consumer | 1.18% |
| Credit cards | 0.00% |
| Farm | 4.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 257.69% |
| Construction concentration (Tier 1 capital + allowance) | 163.18% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.21% |
| Interest income on loans | $8.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $375.5M | $389.3M | 22.26% | 17.23% | 2.17% |
| Q4 2023 | $370.8M | $398.5M | 22.30% | 17.84% | 2.09% |
| Q1 2024 | $377.7M | $402.0M | 23.06% | 19.13% | 1.89% |
| Q2 2024 | $397.6M | $421.8M | 25.32% | 20.92% | 1.79% |
| Q3 2024 | $423.5M | $419.8M | 28.78% | 18.74% | 1.54% |
| Q4 2024 | $440.5M | $435.4M | 26.66% | 20.67% | 1.49% |
| Q1 2025 | $446.8M | $445.5M | 27.50% | 19.21% | 1.36% |
| Q2 2025 | $461.7M | $470.6M | 27.06% | 19.78% | 1.28% |
| Q3 2025 | $467.2M | $522.3M | 28.17% | 19.06% | 1.37% |
| Q4 2025 | $444.4M | $513.6M | 26.49% | 19.11% | 1.46% |
| Q1 2026 | $449.6M | $521.8M | 25.20% | 19.10% | 1.31% |
| Q2 2026 | $458.4M | $540.1M | 25.27% | 19.62% | 1.18% |
NBT Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Financial Bank, freeSource: Call Report Schedule RC-C, 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)