Dalhart Federal Savings & Loan Association, SSB
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Data as of · sourced from FFIEC call reports. How we update
Dalhart Federal Savings & Loan Association, SSB is an FDIC-insured savings bank headquartered in Dalhart, TX, established in 1934 (FDIC certificate 29208), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $126.3M, down 6.4% from Q2 2025, the 297th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 25.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29208
- Headquarters
- Dalhart, TX
- Established
- 1934
- Total assets, Q2 2026
- $126.3M
- Assets vs Q2 2025
- -6.4%
- CET1 ratio, Q2 2026
- 25.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 311371172
- Latest call report
- Q2 2026, FFIEC 051 · Dalhart Federal Savings & Loan Association, SSB call report
- Holding company
- DALHART FEDERAL CORPORATION
- Asset rank in state
- 297th of 346 in Texas
Dalhart Federal Savings & Loan Association, SSB spends more to run itself than most banks of its size. The Dalhart, Texas bank had $126 million in assets at June 30, 2026, down 6.4% from a year earlier. It earns about $0.05 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.3 million equal 30% of Tier 1 capital, down from 36% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 6.4% and deposits rose 0.8%. Its margin is thin by comparison: it keeps 3.03 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Dalhart Federal Savings & Loan Association, SSB reported a CET1 capital ratio of 25.95%, a return on assets of 0.05%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Dalhart Federal Savings & Loan Association, SSB is the 297th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $126.3M, loans fell 1.1% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 87.4% of total loans, followed by non-owner-occupied commercial real estate loans at 3.6%. Its 2 offices in the FDIC Summary of Deposits are in Dalhart, TX and Dumas, TX; its Dalhart office books 58% of its branch deposits. Judged on its Q2 2026 call report, Dalhart Federal Savings & Loan Association, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 502 Denrock Ave, Dalhart, TX 79022
- County
- Dallam
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $95.5M
- Allowance for credit losses
- $258K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $125.8M
- Average total loans
- $78.7M
- Average interest-bearing deposits
- $78.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29208
- Fed RSSD
- 971070
- Website
- www.dalhartfederal.com →
- Parent Holding Company
- DALHART FEDERAL CORPORATION (RSSD 3823826)
- Ultimate Parent
- DALHART FEDERAL MUTUAL HOLDING COMPANY (RSSD 3823451)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Dalhart Federal Savings & Loan Association, SSB's total assets moved between a low of $125.5M (Q1 2026) and a high of $144.0M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$126.3M total assets against $134.9M; $113.7M total liabilities against $122.6M.
$78.6M net loans and leases against $83.9M; $95.5M total deposits against $94.8M.
$24.7M securities against $26.3M; $16.1M cash and balances due against $17.7M.
$1.6M total interest income against $1.7M; $712K total interest expense against $863K.
$911K net interest income against $826K.
$182K total noninterest income against $89K; $1.0M total noninterest expense against $926K.
-$13K provision for credit losses against $47K.
$16K net income against -$95K.
0.05% return on assets against -0.28%; 3.03% net interest margin against 2.57%.
25.95% CET1 capital ratio against 24.39%; 11.33% tier 1 leverage ratio against 10.84%.
Inside the full Dalhart Federal Savings & Loan Association, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Dalhart Federal Savings & Loan Association, SSB rankings
Its closest position to the top of a national ranking is 134 of 2,134, for CET1 ratio; its furthest is 3,490 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.63% (Q3 2024) to 0.05% (Q2 2026) and its net interest margin ran from 2.18% (Q3 2024) to 3.03% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.95% | 0.05% | 0.16% | 0.99% | 3.03% |
| Q1 2026 | 25.30% | -0.30% | 0.65% | 5.08% | 2.89% |
| Q4 2025 | 24.97% | -0.07% | 0.58% | 4.61% | 2.88% |
| Q3 2025 | 24.92% | -0.34% | 0.49% | 3.86% | 2.65% |
| Q2 2025 | 24.39% | -0.28% | 0.42% | 2.75% | 2.57% |
| Q1 2025 | 24.92% | -0.21% | 0.55% | 3.55% | 2.36% |
| Q4 2024 | 24.91% | -0.03% | 0.51% | 3.16% | 2.33% |
| Q3 2024 | 24.08% | -0.63% | 0.05% | 0.31% | 2.18% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dalhart Federal Savings & Loan Association, SSB (main office) | Dalhart , TX | 79022 | $55.0M |
| 202 East Seventh St Branch | Dumas , TX | 79029 | $40.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- August 29, 1991, OCC (former OTS): Supervisory Agreement: Dalhart Federal Savings and Loan Association
- Period: Most recent institution action August 29, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 376 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dalhart Federal Savings & Loan Association, SSB
What are Dalhart Federal Savings & Loan Association, SSB's total assets?
As of the Q2 2026 filing, Dalhart Federal Savings & Loan Association, SSB reported total assets of $126.3 million in its FFIEC call report.
Where is Dalhart Federal Savings & Loan Association, SSB headquartered?
It is headquartered in Dalhart, TX, United States.
When was Dalhart Federal Savings & Loan Association, SSB founded?
It was established in 1934, per the FDIC institution directory.
Is Dalhart Federal Savings & Loan Association, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dalhart Federal Savings & Loan Association, SSB?
Dalhart Federal Savings & Loan Association, SSB's primary federal regulator is the FDIC.
What is Dalhart Federal Savings & Loan Association, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dalhart Federal Savings & Loan Association, SSB operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dalhart Federal Savings & Loan Association, SSB's Texas Ratio?
Its Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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