Total Assets
$588M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
NBT Financial Bank — FDIC Bank Health Profile
Fort Worth, Texas · Est. 1973. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #21329 Dallas Region
C
Health grade
Fair
Score: 63/100
Basel III capital ratios — NBT Financial Bank
Total Deposits
$514M
Customer-funded liabilities
Net Loans
$439M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
13.93%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$62M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.18%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
11.33%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
64.66%
Income & Expense Breakdown
$36M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense
FDIC Deposit Insurance
NBT Financial Bank is FDIC-insured (Certificate #21329). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $588M in total assets and $514M in customer deposits, with $439M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, NBT Financial Bank reports a Tier 1 Capital Ratio of 13.93% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $62M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.18% and a Return on Equity of 11.33%, with an Efficiency Ratio of 64.66% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (63/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at NBT Financial Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Texas by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data NBT Financial Bank (FDIC Cert #21329) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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, SSB Westlake | $253.8B | B | 0.94% |
| Frost Bank San Antonio | $53.1B | C | 1.26% |
| Prosperity Bank El Campo | $38.5B | B | 1.44% |
| Texas Capital Bank Dallas | $31.3B | B | 1.10% |
| Charles Schwab Premier Bank, SSB Westlake | $27.0B | B | 1.47% |
| First Financial Bank Abilene | $15.4B | A | 1.64% |
| NexBank Dallas | $13.9B | B | 1.17% |
| PlainsCapital Bank University Park | $12.7B | C | 1.05% |
Frequently Asked Questions
What is NBT Financial Bank's health grade? ▼
NBT Financial Bank receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is NBT Financial Bank? ▼
NBT Financial Bank holds $588M in total assets and $514M in deposits. It is headquartered in Fort Worth, Texas.
Is my money safe at NBT Financial Bank? ▼
Yes. NBT Financial Bank is FDIC-insured (Certificate #21329). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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.
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.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.