NBT Financial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits climbed 1.75 percentage points in Q2 2026, from 78.04% to 79.78%. It was the largest change from Q1 2026 among the key lines here. NBT Financial Bank ranks 241st of 345 Texas banks on return on assets, in the lower half at 1.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. NBT Financial Bank sits 0.13 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.06% |
| Tier 1 risk-based capital ratio | 14.06% |
| Total risk-based capital ratio | 15.31% |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.47% |
| Tangible equity to tangible assets | 10.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.18% |
| Non-performing assets ratio | 1.62% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 14.83% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 59.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 10.57% |
| Net interest margin | 4.50% |
| Efficiency ratio | 68.43% |
| Yield on earning assets | 6.43% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.87% |
| Core deposits to total deposits | 79.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.30% |
| Securities to assets | 1.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.46% | 13.46% | 14.71% | 10.46% | 0.96% |
| Q4 2023 | 13.97% | 13.97% | 15.22% | 10.73% | 1.08% |
| Q1 2024 | 13.94% | 13.94% | 15.19% | 10.86% | 0.92% |
| Q2 2024 | 13.13% | 13.13% | 14.38% | 10.85% | 1.11% |
| Q3 2024 | 12.74% | 12.74% | 13.99% | 10.89% | 1.33% |
| Q4 2024 | 12.72% | 12.72% | 13.97% | 11.08% | 1.21% |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 11.13% | 1.15% |
| Q2 2025 | 12.91% | 12.91% | 14.16% | 10.69% | 1.15% |
| Q3 2025 | 12.88% | 12.88% | 14.13% | 10.70% | 1.17% |
| Q4 2025 | 13.93% | 13.93% | 15.18% | 10.29% | 1.23% |
| Q1 2026 | 14.02% | 14.02% | 15.28% | 10.79% | 1.49% |
| Q2 2026 | 14.06% | 14.06% | 15.31% | 10.85% | 1.12% |
NBT Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Financial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)