NBT FINANCIAL BANK
FORT WORTH, TEXAS · FDIC Cert #21329
Capital & Safety Analysis
According to FDIC financial data, NBT FINANCIAL BANK holds a Tier 1 capital ratio of 13.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning NBT FINANCIAL BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
NBT FINANCIAL BANK shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
NBT FINANCIAL BANK has a Bank Health Score of C (59/100). It holds a Tier 1 capital ratio of 13.13%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
NBT FINANCIAL BANK holds $474M in total assets and $422M in total deposits. It is located in FORT WORTH, TEXAS (FDIC Certificate #21329).
NBT FINANCIAL BANK has a Tier 1 capital ratio of 13.13%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 2.67%, and the return on assets is 1.30%.
Yes. NBT FINANCIAL BANK is FDIC-insured (Certificate #21329). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.