NBT Financial Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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NBT Financial Bank's JUMBO 180 Day CD rates are at 3.02%, JUMBO 12-Month CD rates are at 2.78%, 180 Day CD rates are at 2.52%, 12-Month CD rates are at 2.27%, JUMBO 36-Month CD rates are at 2.27%. NBT Financial Bank's savings rates are at 2.07%. NBT Financial Bank's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of NBT Financial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.48%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityNBT Financial Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NBT Financial Bank? Share your experience about NBT Financial Bank by leaving a review below, or read customer reviews before you decide to use NBT Financial Bank. NBT Financial Bank Texas RatioNBT Financial Bank's Texas Ratio is at 0.48%, which is considered excellent. The Texas Ratio for NBT Financial Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
NBT Financial Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, NBT Financial Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
NBT Financial Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
NBT Financial Bank CD Rates
NBT Financial Bank Savings Rates
NBT Financial Bank Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for NBT Financial Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather NBT Financial Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with NBT Financial Bank's official website for the most current offers and terms.
Bank Profile & OverviewNBT Financial Bank
2535 Ne 28th StFort Worth, TX 76106 Tarrant Established Date: 11/29/1973 FDIC Certificate #: 21329 Date of FDIC Deposit Insurance: 11/29/1973 Bank Holding Company: HORIZON BANKSHARES INC How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.nbt.bank
Is NBT Financial Bank FDIC Insured? Yes
What is NBT Financial Bank's Cert number? 21329
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.48%
Return on Assets (ROA):
0.9786%
Return on Equity (ROE):
9.9900%
Non-Performing Loans (NPL):
0.04%
Total Assets:
$588,397,000
Total Deposits:
$513,640,000
Equity Capital:
$61,597,000
Net Income:
$6,516,000
Headquarters:
Fort Worth
Regulator:
FDIC
# of Offices:
5
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for NBT Financial Bank yet. Feel free to create one below.
Add Your Rating and Review for NBT Financial Bank
Frequently Asked Questions About NBT Financial BankHow do I open an account at NBT Financial Bank?You can typically open an account at NBT Financial Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, NBT Financial Bank provides a range of mortgage and home equity products. Is NBT Financial Bank a safe place to deposit money?Yes, NBT Financial Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does NBT Financial Bank offer online and mobile banking?Most modern institutions like NBT Financial Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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