| Metric | NBT Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.5% | +4.9% | +10.6 pts |
| Deposit growth (YoY) | +14.8% | +4.3% | +10.4 pts |
| Loan growth (YoY) | -0.8% | +5.3% | -6.2 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 12.3% | 12.4% | -0.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $618.7M | $540.1M | $452.5M | $64.8M | $3.9M | 1.29% | 4.42% | 1.70% |
| Q1 2026 | $598.5M | $521.8M | $443.6M | $63.0M | $2.2M | 1.48% | 4.33% | 1.71% |
| Q4 2025 | $588.4M | $513.6M | $438.8M | $61.6M | $6.5M | 1.18% | 4.55% | 1.76% |
| Q3 2025 | $620.8M | $522.3M | $461.7M | $59.5M | $4.7M | 1.14% | 4.59% | 1.64% |
| Q2 2025 | $535.9M | $470.6M | $456.3M | $57.4M | $3.0M | 1.16% | 4.68% | 1.87% |
| Q1 2025 | $528.3M | $445.5M | $441.5M | $55.3M | $1.5M | 1.14% | 4.65% | 1.95% |
| Q4 2024 | $491.5M | $435.4M | $435.4M | $53.7M | $5.4M | 1.13% | 4.65% | 2.10% |
| Q3 2024 | $507.8M | $419.8M | $418.6M | $51.1M | $3.9M | 1.10% | 4.65% | 1.09% |
Loan mix (Q2 2026): real estate $352.1M · commercial $89.9M · consumer $5.4M · securities $6.3M
| Ratio | NBT Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 61.2% | 56th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | NBT Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | NBT Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | NBT Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | NBT Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | NBT Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2024) · $470.6M branch deposits. Biggest market: Tarrant, TX, ranked 35th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 2 | $263.2M | 0.36% | 35th |
| Parker, TX | 2 | $112.7M | 2.61% | 12th |
| Johnson, TX | 1 | $94.7M | 2.95% | 8th |
Texas: 242nd with 0.03% · Dallas-Fort Worth-Arlington metro: 84th, 0.07% ·
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5