Bank · FDIC insured
NBT Financial
A $618.7M bank headquartered in Fort Worth, TX, with 6 branches in Texas. Best rates: CDs 3.02% and savings 2.07% APY.
NBT Financial Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#76 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About NBT Financial
NBT Financial is a locally owned independent community bank.
- Headquarters
- 2535 Ne 28th St, Fort Worth, TX 76106
- FDIC certificate
- 21329 ↗
Branches
6 branches in Texas
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Texas
6 branches
- NBT Financial BankMain office2535 Ne 28th St, Fort Worth, TX 76106Directions
- Azle Branch405 Commerce St, Azle, TX 76020Directions
- Burleson Branch400 E Renfro St, Burleson, TX 76028Directions
- Camp Bowie Branch6116 Camp Bowie Blvd, Fort Worth, TX 76116Directions
- Precinct Line Branch2080 Precinct Line Rd, Hurst, TX 76054Directions
- Willow Park Branch200 Shops Blvd, Willow Park, TX 76087Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.85% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio10.85%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of NBT Financial are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.