D
NBT Financial Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings NBT Financial Bank
Fort Worth, TX
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Rating D
Asset Quality Index 3.00
Capitalization Index 9.50
Liquidity Index 0.20
Profitability Index 5.90
Stability Index 7.10
Company Info NBT Financial Bank
Fort Worth, TX
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FDIC Number 21329
Phone Number (817) 625-5511
Website www.nbt.bank
Asset Quality NBT Financial Bank
Fort Worth, TX
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1-Year Asset Growth 13.13%
5-Year Asset Growth 13.26%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.87%
Non-Performing Loans to Capital 15.80%
Non-Performing Loans to Loans 2.17%
Balance Sheet NBT Financial Bank
Fort Worth, TX
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Total Assets 535.85M
Total Deposits 470.62M
Capital and Reserves NBT Financial Bank
Fort Worth, TX
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Capital 57.37M
Leverage Ratio 10.69
Loan Loss Reserves to Loans 1.17%
Risk-Based Capital Ratio 14.16
Liquidity NBT Financial Bank
Fort Worth, TX
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Hot Money Ratio 24.67%
Liquidity Ratio 11.83%
Profitability NBT Financial Bank
Fort Worth, TX
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5-Year Return on Average Assets 0.86%
Net Income 3.01M
Net Interest Spread 4.55%
Operating Profit to Average Assets 1.47%
Overhead Efficiency Ratio 66.53%
Return on Assets 1.15%
Return on Equity 10.86%