Dallas Capital Bank, National Association: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Dallas Capital Bank, National Association, based in Dallas, Texas, reported $1.2 billion in assets at June 30, 2026, up 1.6% from a year earlier. It holds about half of its deposits (56%) above the FDIC insurance limit, about double the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 3.6%).
Net income for the quarter rose 25% from a year earlier, to $3.0 million. Over the same year, loans grew 1.4% and deposits shrank 5.9%. Profitability lags: it returns 8.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Dallas Capital Bank, National Association reported a return on assets of 1.02%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 14185 Dallas Pkwy, Dallas, TX 75254
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- —
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 26, 1972
- Former names
- Town North Bank, National Association (2002-2015)
- Offices
- 1 domestic
- Employees (FTE)
- 77
- Domestic deposits
- $938.9M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $1.18B
- Average total loans
- $870.8M
- Average interest-bearing deposits
- $699.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 1972
- FDIC Cert
- 20727
- Fed RSSD
- 384652
- Website
- www.dallascapitalbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Dallas Capital Bank, National Association terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Dallas Capital Bank, National Association, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Dallas Capital Bank, National Association rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Dallas Capital Bank, National Association: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.35% | 1.02% | 0.00% | 0.00% | 3.29% |
| Q1 2026 | 11.51% | 0.80% | 0.38% | 2.48% | 3.14% |
| Q4 2025 | 11.00% | 1.10% | 0.39% | 2.49% | 3.11% |
| Q3 2025 | 10.29% | 0.84% | 0.00% | 0.00% | 2.87% |
| Q2 2025 | 10.38% | 0.81% | 0.00% | 0.02% | 2.81% |
| Q1 2025 | 10.69% | 0.67% | 0.00% | 0.02% | 2.80% |
| Q4 2024 | 10.21% | 0.46% | 0.00% | 0.02% | 2.72% |
| Q3 2024 | 10.58% | 0.59% | 0.00% | 0.02% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dallas Capital Bank, National Association (main office) | Dallas , TX | 75254 | $938.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | M&A | Acquired by MidFirst Bank merger | SEC |
| October 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| March 10, 2012 | Structure Change | Acquired Town North Bank Nevada, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Dallas Capital Bank, National Association, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 118 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Dallas Capital Bank, National Association
What are Dallas Capital Bank, National Association's total assets?
As of the Q2 2026 filing, Dallas Capital Bank, National Association reported total assets of $1.21 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dallas Capital Bank, National Association headquartered?
Dallas Capital Bank, National Association is headquartered in Dallas, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Dallas Capital Bank, National Association founded?
Dallas Capital Bank, National Association was established in 1972, per the FDIC institution directory.
Is Dallas Capital Bank, National Association FDIC-insured?
Yes. Dallas Capital Bank, National Association is an FDIC-insured commercial bank (FDIC Certificate #20727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dallas Capital Bank, National Association?
Dallas Capital Bank, National Association's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Dallas Capital Bank, National Association operate?
Dallas Capital Bank, National Association operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dallas Capital Bank, National Association's Texas Ratio?
Dallas Capital Bank, National Association's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Dallas Capital Bank, National Association previously called?
The charter now named Dallas Capital Bank, National Association has also operated as Town North Bank, National Association (2002-2015), per FDIC structure-change records.
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