NBT Financial Bank

BankFort Worth, Texas
www.nbt.bank

Total Assets

$588.4M

Total Deposits

$513.6M

Branches

5

Established

1973

TFS Health Grade

$
C

73.9 / 100

Average financial health

How we grade

NBT Financial Bank is a bank headquartered in Fort Worth, Texas, established in 1973. With $588.4M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (73.9/100).

Capital & Safety

Tier 1 Capital Ratio
10.29%(8%)
Total Capital Ratio
15.18%(10%)
Non-Performing Loan Ratio
2.33%

Profitability

Return on Assets (ROA)
1.18%(1%)
Return on Equity (ROE)
11.33%(10%)
Net Interest Margin
4.55%
Efficiency Ratio
64.66%(60%)

Lending & Liquidity

Total Loans
$444.4M
Loan-to-Deposit Ratio
85.42%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+19.72%
Deposit Growth (YoY)
+17.96%
Net Income
$6.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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