TellerScore

Headquartered in Fort Worth, Texas, NBT Financial Bank is a state-chartered bank with $618.7M in total assets and $540.1M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1973.

NBT Financial Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 330th. Earnings contributes the most (72/100, 1.29%); loan quality contributes the least (24/100, 2.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.85%
Loan quality24/100
Noncurrent loans ÷ total loans: 2.29%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 83.8% · 51.8% uninsured
Problem-loan coverage70/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (48 → 50), mostly because the funding & liquidity component improved by 8 points.

TellerScore
435057Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202443
Q3 202457
Q4 202447
Q1 202548
Q2 202548
Q3 202550
Q4 202547
Q1 202652
Q2 202650
Tier 1 leverage ratio
5.00%8.06%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.85%
Q3 202410.89%
Q4 202411.08%
Q1 202511.13%
Q2 202510.69%
Q3 202510.70%
Q4 202510.29%
Q1 202610.79%
Q2 202610.85%
Noncurrent loans
1.31%1.99%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.67%
Q3 20241.31%
Q4 20242.34%
Q1 20252.31%
Q2 20252.17%
Q3 20252.18%
Q4 20252.33%
Q1 20262.28%
Q2 20262.29%
Return on assets
1.01%1.24%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.10%
Q4 20241.13%
Q1 20251.14%
Q2 20251.16%
Q3 20251.14%
Q4 20251.18%
Q1 20261.48%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$618.7M10.85%2.29%1.29%83.8%
Q1 202652$598.5M10.79%2.28%1.48%85.0%
Q4 202547$588.4M10.29%2.33%1.18%85.4%
Q3 202550$620.8M10.70%2.18%1.14%88.4%
Q2 202548$535.9M10.69%2.17%1.16%96.9%
Q1 202548$528.3M11.13%2.31%1.14%99.1%
Q4 202447$491.5M11.08%2.34%1.13%100.0%
Q3 202457$507.8M10.89%1.31%1.10%99.7%
Q2 202443$473.7M10.85%2.67%1.01%93.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.85%
48th
Total risk-based capital15.31%
69th
Problem loans2.29%
10th
Net charge-offs0.02%
38th
Return on assets1.29%
53rd
Net interest margin4.42%
76th
Efficiency ratio63.0%
48th
Loans to deposits83.8%
41st
Uninsured deposits51.8%
4th
Loan-loss reserves1.29%
62nd
Texas ratio14.8%
10th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
American Bank, National AssociationBank Waco, TX77 out of 100, Strong$625.2M10.9%0.01%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs
American State BankBank Arp, TX44 out of 100, Below average$637.8M10.9%2.03%vs
The State National Bank of Big SpringBank Big Spring, TX67 out of 100, Moderate$640.0M11.2%1.63%vs
The Falls City National BankBank Falls City, TX69 out of 100, Moderate$597.1M16.3%3.22%vs
Gulf Capital BankBank Houston, TX71 out of 100, Strong$596.5M13.8%0.65%vs

Deposit insurance

Is my money safe at NBT Financial Bank?

Yes. NBT Financial Bank is an FDIC-insured institution (FDIC certificate #21329). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.8% of deposits ($279.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.31% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

NBT Financial Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, NBT Financial Bank reported 69 home-loan applications under HMDA (LEI 549300MG89EBZCEXXT24): 43 originated ($20,865,000 total), 14 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
NBT Financial Bank
Former names
The National Bank of Texas at Fort Worth
Type
State-chartered bank
FDIC certificate #
21329
RSSD ID
406059
Primary regulator
FDIC
Holding company
Horizon Bankshares Inc
Established
November 29, 1973
Headquarters
2535 Ne 28th St, Fort Worth, TX 76106
Employees
80

Quick answers

NBT Financial Bank: common questions

Is NBT Financial Bank FDIC insured?

Yes. NBT Financial Bank is an FDIC-insured institution (FDIC certificate #21329). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is NBT Financial Bank's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has NBT Financial Bank ever failed?

There is no failure record for FDIC certificate #21329 in the FDIC failed bank list.

How many branches does NBT Financial Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs