NBT Financial Bank: how it compares with its peers
Against 131 TX banks with half to twice its assets, NBT Financial Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 4.18% peer median). Its weakest relative measure is return on assets (1.29% vs. 1.44%).
| Measure | NBT Financial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.44% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 4.18% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.02% | 60.89% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.8M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.78% | 76.93% | Context |
What it means for lending operations
Its efficiency ratio of 63.02% is above the 60.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American Bank, National Association Waco, TX · $625M
- First Federal Community Bank, SSB Paris, TX · $604M
- American State Bank Arp, TX · $638M
- The State National Bank of Big Spring Big Spring, TX · $640M
- The Falls City National Bank Falls City, TX · $597M
- Gulf Capital Bank Houston, TX · $596M
Questions about NBT Financial Bank
How big is NBT Financial Bank?
NBT Financial Bank, established in 1973, is headquartered in Fort Worth, TX. It reported $619M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is NBT Financial Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.44% median for 131 TX banks with half to twice its assets, ahead of 38% of them.
What is NBT Financial Bank's efficiency ratio?
63.02% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is NBT Financial Bank growing its loans?
Net loans shrank 0.8% over the year to Q2 2026, while deposits grew 14.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.