NB&T Financial Group, Inc. operates as the holding company for The National Bank and Trust Company that provides consumer and commercial banking services in southwestern Ohio. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, savings accounts, money market deposit accounts, and term certificate accounts. Its loan portfolio comprises loans to automobile dealers and loans guaranteed by the small business administration; loans secured by commercial real estate; loans for constructing commercial and residential buildings; agricultural loans, such as loans to finance farm operations, equipment purchases, and land acquisition;...