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NBT Financial Bank

Fort Worth, TX · Cert 21329 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Horizon Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$618.7MAssets
$458.4MLoans
$540.1MDeposits
$64.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 61% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 11 of 28).
  • Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 25 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.25%

Rank 12 of 28

Net Interest Margin

4.18%

Rank 11 of 28

Efficiency Ratio

63.02%

Rank 17 of 28

Equity / Assets

10.47%

Rank 16 of 28

Non-interest income vs. expense

$4.4M$18.6MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 43% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 63.02%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.25%1.12%1.22%1.47%Beats 57%12 / 28
Return on Equity11.98%8.64%12.47%13.41%Beats 43%16 / 28
Net Interest Margin4.18%3.77%4.06%4.51%Beats 61%11 / 28
Efficiency Ratio63.02%57.39%61.94%66.78%Beats 43%17 / 28
Asset Quality
Nonperforming Loans / Loans2.29%n/a0.28%1.06%Beats 14%25 / 28
Net Charge-Offs / Loans0.02%0.00%0.01%0.20%Beats 46%16 / 28
Capital
Tier 1 Capital Ratio14.06%12.55%13.77%17.51%Beats 54%13 / 28
Total Risk-Based Capital Ratio15.31%12.59%14.62%18.18%Beats 57%12 / 28
Equity / Assets10.47%9.58%11.17%13.58%Beats 43%16 / 28
Liquidity & Funding
Loans / Deposits84.87%66.90%84.79%89.14%54th pctl13 / 28
Loans / Assets74.10%57.58%73.59%77.32%54th pctl13 / 28
Brokered Deposits / Depositsn/aNot reported for this institution