NBT Financial Bank
Major Rating Factors:
A current level of 14.7 percent of nonperforming loans to core capital combined with 16.0 percent from a year earlier contributes to the Fair asset quality (3.6). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Asset Mix:
Cash (22%), comm re (19%), home mtgs (15%), comm loans (15%), securities (1%), consumer loans (1%), other (28%)
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
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