Dallas Capital Bank, National Association
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Data as of · sourced from FFIEC call reports. How we update
Dallas Capital Bank, National Association is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1972 (FDIC certificate 20727), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.21B, up 1.6% from Q2 2025, the 79th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 20727
- Headquarters
- Dallas, TX
- Established
- 1972
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 11.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051 · Dallas Capital Bank, National Association call report
- Asset rank in state
- 79th of 346 in Texas
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 880 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 12.7%).
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%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Dallas Capital Bank, National Association is the 79th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $1.21B, loans rose 4.2% and deposits rose 2.8%. Non-owner-occupied commercial real estate loans made up 24.1% of its total loans on June 30, 2026, its largest category; next came loans to nondepository financial institutions at 20.7%. Its one office in the FDIC Summary of Deposits is in Dallas, TX. Judged on its Q2 2026 call report, Dallas Capital Bank, National Association meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
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. As a community bank leverage ratio filer, Dallas Capital Bank, National Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Dallas Capital Bank, National Association's total assets moved between a low of $1.07B (Q4 2023) and a high of $1.22B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.19B; $1.06B total liabilities against $1.06B.
$929.1M net loans and leases against $915.2M; $938.9M total deposits against $998.2M.
$176.9M securities against $151.9M; $43.8M cash and balances due against $66.9M.
$15.3M total interest income against $15.7M; $6.0M total interest expense against $7.7M.
$9.3M net interest income against $8.0M.
$736K total noninterest income against $751K; $6.3M total noninterest expense against $5.8M.
$0 provision for credit losses against $0.
$3.0M net income against $2.4M.
1.02% return on assets against 0.81%; 3.29% net interest margin against 2.81%.
11.35% tier 1 leverage ratio against 10.38%.
Inside the full Dallas Capital Bank, National Association 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.
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
Its closest position to the top of a national ranking is 56 of 980, for uninsured deposits; its furthest is 3,365 of 3,640, for Texas Ratio.
Metric pages for Dallas Capital Bank, National Association: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q4 2024) to 1.10% (Q4 2025) and its net interest margin ran from 2.50% (Q3 2024) to 3.29% (Q2 2026).
| 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
View the branch → 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 6, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 118 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 2001 (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 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.
Where is Dallas Capital Bank, National Association headquartered?
It is headquartered in Dallas, TX, United States.
When was Dallas Capital Bank, National Association founded?
It was established in 1972, per the FDIC institution directory.
Is Dallas Capital Bank, National Association FDIC-insured?
Yes. It 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.
How many branches does Dallas Capital Bank, National Association operate?
It 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?
Its Texas Ratio is 0.00% 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.
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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