TX lenders / Community Bank
NBT Financial Bank
Community Bank · Fort Worth, TX · Horizon Bankshares Inc
- Total assets
- $598.5M
- CRE loan book
- $222.4M
- QoQ CRE growth
- 2.4%
- Q1 2026
Recorded CRE activity — tarrant County
4 commercial deeds of trust recorded recently, verified from county records.
- Jun 24, 2026 · unknownundisclosed
- Jun 24, 2026 · unknownundisclosed
- Jun 12, 2026 · unknownundisclosed
- Jun 11, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.86% as of Q1 2026 — TX bank median 4.87% (2.00pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.86% | 7.03% |
| Q4 2025 | 7.03% | 7.19% |
| Q3 2025 | 7.24% | 7.43% |
| Q2 2025 | 6.98% | 7.14% |
| Q1 2025 | 6.82% | 6.99% |
| Q4 2024 | 6.70% | 6.88% |
| Q3 2024 | 6.98% | 7.41% |
| Q2 2024 | 7.20% | 7.39% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $222.4M | $108.3M | $824,000 | 253% | $5.1M |
| Q4 2025 | $217.2M | $98.9M | $564,000 | 242% | $5.1M |
| Q3 2025 | $235.2M | $103.1M | $570,000 | 268% | $5.1M |
| Q2 2025 | $227.4M | $101.2M | $1.3M | 262% | $5.1M |
| Q1 2025 | $218.0M | $93.8M | $1.3M | 256% | $5.1M |
| Q4 2024 | $210.1M | $91.3M | $1.4M | 254% | $5.1M |
| Q3 2024 | $205.4M | $82.1M | $1.4M | 261% | $0 |
| Q2 2024 | $179.8M | $77.7M | $1.4M | 246% | $0 |
Signals
NBT Financial Bank: frequently asked questions
- How large is NBT Financial Bank's commercial real estate loan book?
- As of Q1 2026, NBT Financial Bank reported $222.4M in commercial real estate loans out of $598.5M in total assets, per its FFIEC Call Report.
- Is NBT Financial Bank above the 300% CRE concentration guideline?
- NBT Financial Bank's CRE loans stood at 253% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is NBT Financial Bank growing or shrinking its CRE lending?
- NBT Financial Bank's CRE loan book grew 2.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is NBT Financial Bank in recorded CRE lending?
- 4 commercial deeds of trust naming NBT Financial Bank as lender have been recorded recently in tarrant County, verified from county records; the most recent was recorded Jun 24, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Herring BankCommunity Bank · Amarillo · $222.8M CRE book
- Texas Champion BankCommunity Bank · Corpus Christi · $223.3M CRE book
- Citizens State Bank of New Castle, IndianaCommunity Bank · New Castle · $221.3M CRE book
- First National Bank of LouisianaCommunity Bank · Crowley · $223.9M CRE book
- F&M BankCommunity Bank · Edmond · $224.9M CRE book
Markets where NBT Financial Bank lends
NBT Financial Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.