# NBT FINANCIAL BANK
FORT WORTH, TX · FDIC certificate 21329 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $618.7M | |
| Deposits | $540.1M | |
| Loans and leases | $458.4M | |
| Total equity | $64.8M | |
| Loans / deposits | 83.78% (p55 of band) | 82.04% |
| Liquid assets / assets | 22.82% (p43 of band) | |
| Uninsured deposits / deposits | 51.82% (p96 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.62% (p39 of band) | |
| FHLB advances / assets | 1.62% | |
| Tier 1 leverage | 10.85% (p52 of band) | 10.81% |
| Unrealized securities loss / equity | -1.02% (p86 of band) | -8.10% |
| AOCI / equity | 0.07% (p83 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 4.42% (p78 of band) | 3.91% |
| Efficiency ratio | 63.02% (p55 of band) | |
| Noncurrent loans | 2.29% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 56.51% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 179.42% (p98 of band) | |
| Auto loans | $2.0M (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.0M (5% of equity) (p94 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 | capital falling | construction >100% equity |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | charge-offs p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 2 | capital falling, charge-offs p90 |  |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90, expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | brokered >10% |  |
| 2022-03 | 2 | construction >100% equity | capital falling |
| 2022-06 | 1 |  | brokered >10% |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 |  | noncurrent p90 |
| 2024-12 | 4 | liquid assets <10%, noncurrent p90 |  |
| 2025-03 | 3 |  | liquid assets <10% |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | uninsured deposits >50% |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-10 [NBT Financial Bank Breaks Ground on New Grapevine Branch, Continuing Fort Worth Legacy - Fort Worth Report](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPU05wbHVlMHB0eThYT01LUFpjZFNZU01RaUVCX0g5WWtBcUJsZjh1dUowY29ZX25wQUxUbkZJUVFNcWZpa2lWNnh3OEQ2MFFpNGtCcy1ZSGdMbDQ1MU11ODk1N0o3cFVGS0k1THVMMGNmdEtqcTZCS05FcE9KbnRCSW5SUFo0UEdycW8xeUg3M3U5dUFTM1hFbERBWUhkdXQ0TmJscDliZTlrb1Frc3hfVFJOTzMtRkpOSTM4cXpJVlI5bFE?oc=5) · Fort Worth Report
- 2026-07-17 [NBT Financial Bank Opens New Community Branch in Grapevine - Community Impact](https://news.google.com/rss/articles/CBMitwFBVV95cUxQblJKYzljc3BoaVR0eWFrZkZ4QkNJdy1Gd18xM2lkUWRUYnF5UG4zaWtjTHFydUJoVFdBUFl2ZmhCT21SZExNS3YzQzhyaFdhVjhFckJLeVhJWVpyTnB4NTFMMTBNLUtvNElpb1FZMnR6MjBEcFJmdzNmZFJXc1F6TWptMVhNeDl3QWVVOEhaTVhnMTJTLS1QdE9EaXZZSUhNYXRydnlTckZBZ3ozaU1KWDl1ZWtCTzQ?oc=5) · Community Impact
- 2026-05-21 [NBT Financial Bank’s New Camp Bowie Home - Fort Worth Report](https://news.google.com/rss/articles/CBMihgFBVV95cUxNMVN4ekJYMkl1a2E0SDctY3dpa25OUmdtZjh5YW0yeTVQbDZXaE5sZ2E4MHhJckRzdF9WS0tMT3F3TzRfcEZJRlZSVHU2V09Nb0FISnlBM3J2blNvcmFhZmlSTjFQdFl3TkU5ckdoMjUxY1RHdjFObV9Ka0NZR1RoTERPaUloZw?oc=5) · Fort Worth Report
- 2026-04-01 [These mentors guide Texas Wesleyan athletes into their next chapter - star-telegram.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1CTnRTTmNxQkpCaGxrY3dTSTlrLW42SHVCTDVyU295ZjNjSkk1ejRVWjUzM2xZR3ZIRHF5M1pSY1RnZ3pjVTllNVdDVm1xT3pVQWlZdVZGUGRzOWFkeG5IYUd0cGxwQjRXZGYtQzF5d1F4ckdpT0hnNjRHbWlMUdIBfkFVX3lxTE51QVVRRUIyMjM2QUhpLVBSWDRVd2Ffcm14dVJNdVNfRGRwcmhHaDJTTUVMSzBaWWZWaWNEZlpRMERFV2tpTnBRWWNsV1A3UVF4SWl0X09EM29oRnRhVXh4clQ2V1pOSWZKS3NRUUoySm9IYmh3Unoxb25lc3VqUQ?oc=5) · star-telegram.com
- 2026-03-01 [Readers' Choice 2026: Services - Southlake Style](https://news.google.com/rss/articles/CBMimwFBVV95cUxQV3dybnlRQjRhVDY2MHJVLXJ3ZG8wSDlDTkZhaU01S25FVHNNbVNTbFE0VnVDbk8wNjdqejc2MERXMU03bXp4bUh5bk1XZXRTNDByZTJIdUtycV9BNmVXYUVJdDRTOVYtb0RhUXR5Sks5SnpacHdHU2xVUlRwdUREN1ljWEpOTk1ZcFNRdmZoVXU5RV9ERXFHRTZTTQ?oc=5) · Southlake Style
- 2024-04-22 [Amegy Bank opens Arlington branch - Fort Worth Report](https://news.google.com/rss/articles/CBMifkFVX3lxTE5wSWx2NnZVSmFWV1A5TWMzQjE0SnNYbWMwc1ZHaFNNcU5IZkN3QUZDWEotSHdaNTFVVy01dE9jWjJBTFdER295LVlqS1NEdzF4MV9qMkZUcEtxOGs2SE1aUHZrSUJic25FRGxhZ21tVk5hajZRUGpidmpCWmZwdw?oc=5) · Fort Worth Report
- 2022-07-21 [PNC Bank launches mobile baking unit in North Texas - Fort Worth Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxNLW93T3BsOWlzTGRWZF9QU204VUt0d01WQ28teVJfcl9MTkVXRzI2czNSZW9TdmVhS0tWeU1SZHM5Nm0tRTBBUHBEa3hRLWw5ajZLLUtLZzhOa1ctd2F3Vi1yalJ6Umh5MkR3NUlrQzlTU3pwM2ZYX1hYZTJHRTdlQVROcDZWZ2hBdVBrSEJ5Tm44WEJRUmc?oc=5) · Fort Worth Report
- 2023-04-17 [Texas Security Bank expands with new Southlake location - Fort Worth Report](https://news.google.com/rss/articles/CBMimwFBVV95cUxNUDhTSzcyejAxMmRzRGR6Mkpqb3U2V3l6aWtsRmRCQWZMSHlsM1dGZjVGOEpNTUkzaUNrTXpZbHFFOGJ4SEMxY1VTci1NWDFhMHV6QUdQNkRwTWd3NWRtVks2NE1SQm8xSjVoZzlJRk9TYTFCU2JUSFNpakNIOVU5NndFMnFVY0YtR3lIUXF4RUtaX29XSnNtM1FHTQ?oc=5) · Fort Worth Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21329 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "21329", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide