NB&T Financial Group, Inc.

Type: Public
On the web: http://www.nbtdirect.com
Employees: 219

NB&T Financial is the holding company for National Bank and Trust, which serves southwestern and west-central Ohio from about 20 branch offices. The bank offers standard deposit products and services, including checking and savings accounts, CDs, and IRAs. Its Really Awesome Dollars (RAD) accounts are targeted towards the 16-and younger set -- a minimum deposit of $1.00 is required. Residential mortgages account for some 35% of the loan portfolio; business loans and commercial mortgages each total 20%. The bank also offers asset management and retirement planning services. Subsidiary NB&T Insurance Agency provides property/casualty, life, and health insurance products through four offices statewide.

Key numbers for fiscal year ending December, 2007:
Sales: $41.2M
One year growth: (4.9%)
Net income: $4.4M
Income growth: 138.2%

Officers:
Chairman, NB&T Financial and National Bank & Trust: Timothy L. Smith
President, CEO, and Director, NB&T Financial and National Bank & Trust: John J. Limbert
SVP and CFO, NB&T Financial; SVP, CFO, and Cashier, National Bank & Trust: Craig F. Fortin

Competitors:
FirstMerit
National City
PNC Financial