Total Assets
$588M
Total balance-sheet footings
FDIC Cert #21329 · Fort Worth, Texas · Est. 1973
NBT Financial Bank - FDIC Bank Health Profile
A community-scale look at NBT Financial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $588M
- Total assets
- B
- Health grade · Good
- 1.18%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
NBT Financial Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.93% Tier 1, profitable at 1.18% ROA, 65% efficiency ratio.
- #1,593
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 13.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 56th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How NBT Financial Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
NBT Financial Bank's composite health score
Tier 1 Capital Ratio (13.93%) 35/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (15.38%) 10/20
Efficiency Ratio (64.66%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$514M
Customer-funded liabilities
Net Loans
$439M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where NBT Financial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NBT Financial Bank's score of 73/100 falls in the highlighted band.
NBT Financial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). NBT Financial Bank's $588M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.93%
Texas Ratio
15.38%
Equity Capital
$62M
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
11.33%
Efficiency Ratio
64.66%
What the numbers say about NBT Financial Bank
NBT Financial Bank is an FDIC-insured institution (Certificate #21329) headquartered in Fort Worth, Texas, established in 1973. It holds $588M in total assets - 1,593rd of 4,313 FDIC-insured banks, $514M in customer deposits, and $439M in net loans. On safety, its Tier 1 capital ratio of 13.93% is above the 10% well-capitalized threshold, and its Texas Ratio of 15.38% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, NBT Financial Bank ranks 147th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$36M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. NBT Financial Bank reports a Texas Ratio of 15.38% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) NBT Financial Bank (FDIC Cert #21329) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is NBT Financial Bank's health grade?▼
NBT Financial Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is NBT Financial Bank?▼
NBT Financial Bank holds $588M in total assets and $514M in deposits, ranking 1,593rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fort Worth, Texas.
Is my money safe at NBT Financial Bank?▼
Yes, deposits at NBT Financial Bank (Certificate #21329) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is NBT Financial Bank's Tier 1 Capital Ratio?▼
NBT Financial Bank has a Tier 1 Capital Ratio of 13.93%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for NBT Financial Bank?▼
NBT Financial Bank has a Texas Ratio of 15.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is NBT Financial Bank?▼
NBT Financial Bank has an Efficiency Ratio of 64.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read NBT Financial Bank's profile as a depositor or analyst.
- NBT Financial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare NBT Financial Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.