NBT Financial Bank
Major Rating Factors:
A current level of 15.8 percent of nonperforming loans to core capital combined with 19.6 percent from a year earlier contributes to the Fair asset quality (3.0). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), home mtgs (19%), comm loans (17%), cash (9%), securities (1%), consumer loans (1%), other (29%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Horizon Bankshares, Inc.
Investment Rating
--
Address
2535 NE 28th Street
Fort Worth, TX 76106
Fort Worth, TX 76106
Phone Number
(817) 625-5511
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.