BlastPoint's Banking Scorecard
NBT Financial Bank
Fort Worth, TX
6 branches across TX
NBT Financial Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 34.8% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 7.19% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.42% above tier average
- - Nonperforming Asset Ratio 1.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$598.5M
+13.3% YoY
+1.7% QoQ
|
+$212.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$443.6M
+0.5% YoY
+1.1% QoQ
|
+$187.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$521.8M
+17.1% YoY
+1.6% QoQ
|
+$193.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.48%
+29.8% YoY
+25.4% QoQ
|
+0.21% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
4.33%
-6.9% YoY
-4.9% QoQ
|
+0.40% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
58.10%
-12.1% YoY
-10.1% QoQ
|
-7.19% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
2.31%
-1.0% YoY
-2.0% QoQ
|
+1.42% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.6% in tier |
| Loan-to-Deposit Ratio ? |
85.00%
-14.2% YoY
-0.5% QoQ
|
+8.37% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
30.20%
-4.5% YoY
-2.6% QoQ
|
+8.18% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.71%
-12.2% YoY
-2.6% QoQ
|
+1.08% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.0% in tier |
| Tier 1 Capital Ratio ? |
14.02%
+8.6% YoY
+0.7% QoQ
|
-1.81% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.28%
+215.6% YoY
-16.9% QoQ
|
+0.00% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 7.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.