NBT Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks NBT Financial Bank of Fort Worth, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.12% | 1.34% | -0.22% | 40th below |
| ROAE | 10.57% | 13.32% | -2.75% | 40th below |
| Net Interest Margin | 4.50% | 3.93% | +0.57% | 79th top |
| Efficiency Ratio | 68.43% | 61.14% | +7.29% | 32nd below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 43rd below |
| Yield on Earning Assets | 6.43% | 5.67% | +0.76% | 85th top |
| Cost of Funds | 2.09% | 1.88% | +0.21% | 32nd below |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.18% | 0.94% | +1.24% | 12th bottom |
| NPA / Total Assets | 1.62% | 0.70% | +0.92% | 11th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) | 59.23% | 1539.64% | -1480.41% | 14th bottom |
| Texas Ratio | 14.83% | 7.33% | +7.50% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 638.78% | 1396.18% | -757.40% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.06% | 19.51% | -5.45% | 40th below |
| Tier 1 Ratio | 14.06% | 19.54% | -5.48% | 39th below |
| Total Capital Ratio | 15.31% | 20.63% | -5.32% | 40th below |
| Leverage Ratio | 10.85% | 12.14% | -1.29% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.37% | -0.90% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.09% | -0.62% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.87% | 80.63% | +4.24% | 40th below |
| Core Deposit Ratio | 79.78% | 86.86% | -7.08% | 15th bottom |
| Wholesale Funding Ratio | 1.62% | 5.04% | -3.42% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.46% | 6.85% | +8.61% | 92nd top |
| Loan Growth (Y/Y) | -0.70% | 7.91% | -8.61% | 20th bottom |
| Deposit Growth (Y/Y) | 14.77% | 6.28% | +8.49% | 91st top |
See NBT Financial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock NBT Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full NBT Financial Bank profile, how to read a UBPR, or how this data updates.