Nbt Financial Bank (FDIC #21329): Bank Stress & Real-Estate Credit Exposure

Nbt Financial Bank (FDIC Cert #21329): bank stress 63/100, elevated, STABLE over 7 days; parent HORIZON BANKSHARES INC.

Nbt Financial Bank (#21329) lends in 3 counties across 1 state; Nbt Financial Bank (#21329) reaches 102 ZIP codes: Texas 3 counties, 102 ZIPs.

Nbt Financial Bank (#21329) largest markets: Tarrant County, TX (228 branches, 76 ZIPs) (#21329), Parker County, TX (38 branches, 19 ZIPs) (#21329), Johnson County, TX (16 branches, 16 ZIPs) (#21329).

Nbt Financial Bank (#21329) reports $618.7 million in total assets; Nbt Financial Bank (#21329) equity $64.8 million (10.5% of Nbt Financial Bank (#21329) assets); Nbt Financial Bank (#21329) domestic deposits $540.1 million; Nbt Financial Bank (#21329) net income $3.9 million; Nbt Financial Bank (#21329) return on assets 1.29%; Nbt Financial Bank (#21329) return on equity 12.30%; Nbt Financial Bank (#21329) net interest income $12.6 million; Nbt Financial Bank (#21329) call report June 30, 2026.

Nbt Financial Bank (#21329) noncurrent real-estate loans: none reported; Nbt Financial Bank (#21329) net charge-offs on real estate 1.61%.

Nbt Financial Bank (#21329) net interest margin 4.42% against an eight-quarter Nbt Financial Bank (#21329) average of 4.56% (Nbt Financial Bank (#21329) compression 0.15 points); Nbt Financial Bank (#21329) rate-exposure score 40/100, Nbt Financial Bank (#21329) fixed-rate trap 40/100; Nbt Financial Bank (#21329) risk type credit driven; Nbt Financial Bank (#21329) rate regime rates elevated, Nbt Financial Bank (#21329) snapshot October 20, 2026.

Nbt Financial Bank (#21329) stress score moved from 57.7 on June 22, 2026 to 63.1 on October 20, 2026; Nbt Financial Bank (#21329) ranged 57.7 to 63.1 over 117 snapshots.

Nbt Financial Bank (#21329) alerts: 3 counties; top Nbt Financial Bank (#21329) alert scores: Burleson County, TX 20 (low); Hurst County, TX 20 (low); Weatherford County, TX 20 (low).