Timothy L. Smith

NB&T Financial Group, Inc. operates as a financial holding company for National Bank & Trust Co. The bank is engaged in commercial banking business; and provides consumer and commercial financial services to individuals and corporate customers. Its primary business consists of accepting deposits, through various consumer and commercial deposit products, and using such deposits to fund loans secured by residential & non-residential real estate, commercial & agricultural loans and consumer loans, including automobile loans. The bank's loan portfolio includes commercial and industrial loans, such as loans to automobile and agricultural equipment dealers, loans guaranteed by the small business administration, loans secured by commercial real estate, loans for constructing commercial and residential buildings, agricultural loans and consumer installment loans. NB&T Financial Group was founded in 1980 and is located in Wilmington, OH.