North Dallas Bank & Trust Co.
Total assets
$1.81B
▼ -3.5% YoY
Deposits
$1.56B
▼ -1.9% YoY
Loans
$1.24B
▼ -1.3% YoY
Offices
6
ROA (annualized)
0.49%
peers 1.26%
ROE (annualized)
4.87%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +5.5% | -8.9 pts |
| Deposit growth (YoY) | -1.9% | +5.1% | -7.0 pts |
| Loan growth (YoY) | -1.3% | +5.9% | -7.2 pts |
| ROA | 0.49% | 1.26% | -0.8 pts |
| ROE | 4.9% | 12.2% | -7.3 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1961
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 12900 Preston Rd, Dallas, TX, 75230
- County
- Dallas
- Metro area
- Dallas-Fort Worth-Arlington, TX
- Offices
- 6
- FDIC cert #
- 18355
- RSSD ID
- 490450
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.81B | $1.56B | $1.24B | $187.8M | $4.5M | 0.49% | 2.60% | 1.07% |
| Q1 2026 | $1.88B | $1.62B | $1.28B | $185.1M | $1.8M | 0.38% | 2.46% | 0.04% |
| Q4 2025 | $1.87B | $1.60B | $1.26B | $183.5M | $8.6M | 0.46% | 2.35% | 0.03% |
| Q3 2025 | $1.87B | $1.59B | $1.26B | $179.8M | $5.6M | 0.39% | 2.30% | 0.04% |
| Q2 2025 | $1.88B | $1.59B | $1.25B | $176.6M | $3.4M | 0.36% | 2.20% | 0.03% |
| Q1 2025 | $1.88B | $1.59B | $1.22B | $173.7M | $1.3M | 0.28% | 2.09% | 0.02% |
| Q4 2024 | $1.91B | $1.63B | $1.24B | $171.2M | $3.5M | 0.19% | 1.97% | 0.02% |
| Q3 2024 | $1.87B | $1.54B | $1.19B | $170.5M | $2.2M | 0.16% | 1.94% | 0.02% |
Loan mix (Q2 2026): real estate $1.12B · commercial $68.5M · consumer $8.3M · securities $238.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 12.2% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.70% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 59.0% | 91th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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