BlastPoint's Banking Scorecard

NBT Financial Bank

$100M-$1B Specialty: Commercial TX FDIC cert 21329

Fort Worth, TX

6 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +14.8% year over year ($540.1M on the books).
Delinquency rate 2.32%.
Return on assets 1.29%.
Efficiency ratio 63.02% vs a 64.48% peer average.
Loan-to-deposit ratio 83.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

NBT Financial Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 1.46% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.03% above tier average
- Delinquency Rate 1.40% above tier average

Get updates when NBT Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$618.7M +15.5% YoY +3.4% QoQ	+$232.1M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$452.5M -0.8% YoY +2.0% QoQ	+$194.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$540.1M +14.8% YoY +3.5% QoQ	+$213.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.29% +11.1% YoY -12.7% QoQ	-0.03%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	4.42% -5.6% YoY +2.1% QoQ	+0.43%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	63.02% -5.3% YoY +8.5% QoQ	-1.46%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	2.32% +5.4% YoY +0.3% QoQ	+1.40%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 10.1% in tier
Loan-to-Deposit Ratio ?	83.78% -13.6% YoY -1.4% QoQ	+5.82%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	29.97% -2.0% YoY -0.8% QoQ	+7.94%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	1.70% -9.4% YoY -1.0% QoQ	+1.03%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 10.0% in tier
Tier 1 Capital Ratio ?	14.06% +8.9% YoY +0.3% QoQ	-1.85%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.35% +98.7% YoY +27.2% QoQ	-0.21%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	30.0% -0.6pp YoY -0.2pp QoQ	+7.8pp	22.1%	29.2%	22.2%	82%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	19.9% -0.1pp YoY +0.5pp QoQ	+8.3pp	11.6%	14.8%	12.5%	88%
CRE	51.5% +1.6pp YoY +1.3pp QoQ	+11.9pp	39.5%	48.4%	41.4%	72%
1-4 Family	21.3% -1.6pp YoY -1.1pp QoQ	-11.3pp	32.6%	25.8%	31.3%	33%
Consumer	1.2% -0.1pp YoY -0.1pp QoQ	-2.9pp	4.1%	4.7%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.1% +1.2pp YoY 0.0pp QoQ	-4.8pp	18.8%	22.7%	19.7%	40%
Leverage Ratio	10.9% +0.2pp YoY +0.1pp QoQ	-1.3pp	12.2%	12.6%	12.6%	48%
Total Capital Ratio	15.3% +1.2pp YoY 0.0pp QoQ	-4.6pp	19.9%	23.8%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	80 +6 (+8.1%) YoY +3 (+3.9%) QoQ	+21	58	186	482	77%
Assets per Employee ($)	$7.7M +6.8% YoY -0.5% QoQ	+$215K	$7.5M	$10.1M	$8.8M	64%
Branch Count	6 +1 (+20.0%) YoY +1 (+20.0%) QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.3%	0.4%	52%
Nonaccrual	2.2% 0.0pp YoY 0.0pp QoQ	+1.3pp	0.9%	1.0%	1.0%	89%
Allowance Coverage	0.57x +4.8% YoY -4.4% QoQ	-23.59x	24.15x	18.82x	20.23x	13%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.3% +1.5pp YoY -1.8pp QoQ	+0.1pp	12.2%	13.2%	11.6%	51%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	68%
Net Income ($, YTD)	$3.9M +29.0% YoY — QoQ	+$1.3M	$2.6M	$15.9M	$40.4M	79%

Get Full Access to NBT Financial Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

412

Total Loans

size

Value: $452.49M

Peer Median: $258.35M

#412 of 2643 Top 15.6% in $100M-$1B

443

Total Deposits

size

Value: $540.12M

Peer Median: $326.73M

#443 of 2643 Top 16.7% in $100M-$1B

478

Non-Interest-Bearing Deposit Share

funding

Value: 29.97%

Peer Median: 22.03%

#478 of 2643 Top 18.0% in $100M-$1B

482

Total Assets

size

Value: $618.69M

Peer Median: $386.57M

#482 of 2643 Top 18.2% in $100M-$1B

533

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#533 of 2643 Top 20.1% in $100M-$1B

647

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.99%

#647 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (2 metrics)

2380

Nonperforming Asset Ratio

credit_quality

Value: 1.70%

Peer Median: 0.67%

#2380 of 2643 Bottom 10.0% in $100M-$1B

2368

Delinquency Rate

credit_quality

Value: 2.32%

Peer Median: 0.92%

#2368 of 2633 Bottom 10.1% in $100M-$1B