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Nbt Financial Bank
Fort Worth, TX · FDIC Certificate #21329 · Chartered 11/2
Total assets
$618.69M
Total deposits
$540.12M
Total equity
$64.79M
Net loans
$452.49M
Branches (offices)
6
Net income (YTD)
$3.88M
Rank: #1,523 of 4,213 U.S. banks by assets · #138 of 346 in Texas. Assets changed 15.5% and deposits 14.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 12.30% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 10.47% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 51.8% |
| Noncurrent loans (share of loans) | 2.29% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 77.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $352.06M | 77.8% | |
| Commercial & industrial | $89.94M | 19.9% | |
| Consumer / individual | $5.39M | 1.2% | |
| Construction & development | $116.24M | 25.7% | |
| Agricultural | $7.60M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $429.84M | $389.74M | $1.60M | $38.78M |
| Jun 2023 | $443.17M | $397.23M | $2.18M | $43.94M |
| Jun 2024 | $473.68M | $421.78M | $2.31M | $49.30M |
| Jun 2025 | $535.85M | $470.62M | $3.01M | $57.37M |
| Jun 2026 | $618.69M | $540.12M | $3.88M | $64.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $540.12M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $540.12M.
Similar-sized banks
Claremont Savings Bank ($619.70M) · First Bank Kansas ($618.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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