Back in the record
Small banks need not report in years when they make few loans, so the gap from 2018 to 2024 is a hole in the record, not a stop in lending. The bank was renamed in 2022; it was The National Bank of Texas at Fort Worth.
Applications / Mortgage Analytics / Lenders / Texas / NBT Financial Bank
NBT Financial Bank
Fort Worth, TX · State non-member bank · FDIC · $588 million assets · 43 loans in 2025
NBT Financial Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
77
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NBT Financial Bank, a Fort Worth bank that has reported since at least 1990, filed again for 2025 after seven years without a report, with 43 loans, nine in ten of them home purchases.
Larger purchase loans
Home purchases were 90.7% of its loans. Its typical loan was $305,000, against $165,000 at similar lenders, state non-member banks making between half and twice as many loans; that is larger than at more than four in five of them. Jumbo loans, those larger than the conforming limit, were 9.5% of the total, against 1.7%.
Where it lends
It has lent in Dallas-Fort Worth since at least 1990 and ranked 321 of 1,026 lenders there. In 2025 it also lent around College Station. Majority-minority neighborhoods took 11.6% of its loans, against 5.4% at similar lenders, and low- and moderate-income neighborhoods 16.3%, near the middle of its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
43 loans in 2025, its most in any year since 2025.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. NBT Financial Bank took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
90.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 90.7% · Refinance 7.0% · Other 2.3%
Conventional 100.0% · of 43 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
1 state, 3 metros, 9 counties
| State | Loans | Share |
|---|---|---|
| Texas | 43 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 37 |
| College Station-Bryan | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MG89EBZCEXXT24 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 406059 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 116226 | 1990–2016 |
Established 29 November 1973. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: NBT Financial Bank's data.
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