BlastPoint's Banking Scorecard
NBT Financial Bank
Community
Specialty: Commercial
TX
FDIC cert 21329
Fort Worth, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
NBT Financial Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 66% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.73% above tier
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$588.4M
+19.7% YoY
-5.2% QoQ
|
-$803.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$438.8M
+0.8% YoY
-5.0% QoQ
|
-$536.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$513.6M
+18.0% YoY
-1.7% QoQ
|
-$651.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
1.18%
+3.9% YoY
+3.3% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.55%
-2.1% YoY
-0.9% QoQ
|
+0.89% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
64.66%
-4.8% YoY
-2.5% QoQ
|
+2.03% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
2.36%
-0.4% YoY
+7.0% QoQ
|
+1.73% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
85.42%
-14.6% YoY
-3.4% QoQ
|
+2.36% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
31.02%
-5.7% YoY
+12.8% QoQ
|
+9.97% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
1.76%
-16.1% YoY
+7.3% QoQ
|
+1.26% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
13.93%
+9.5% YoY
+8.1% QoQ
|
+3.69% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.33%
-11.6% YoY
+43.1% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#99 of 150 · Top 66% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.02%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.55%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.36%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.76%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.02% · Tier avg: 21.05%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 10.24%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.42% · Tier avg: 83.06%
42
42th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 62.63%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
21
21th pctile
Total Loans
Current: $438.8M · Tier avg: $975.5M
15
15th pctile
Total Deposits
Current: $513.6M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $588.4M · Tier avg: $1.4B
8
8th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.36% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.36% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.50%
13
13th pctile
Total Assets
Current: $588.4M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $513.6M · Tier avg: $1.2B
21
21th pctile
Total Loans
Current: $438.8M · Tier avg: $975.5M
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
42
42th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 62.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.42% · Tier avg: 83.06%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 10.24%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.02% · Tier avg: 21.05%
88
88th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.66%