North Dallas Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
North Dallas Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1961 (FDIC certificate 18355), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.81B, down 3.5% from Q2 2025, the 57th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18355
- Headquarters
- Dallas, TX
- Established
- 1961
- Total assets, Q2 2026
- $1.81B
- Assets vs Q2 2025
- -3.5%
- Tier 1 leverage ratio, Q2 2026
- 10.22%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111000960
- Latest call report
- Q2 2026, FFIEC 051 · North Dallas Bank & Trust Co. call report
- Asset rank in state
- 57th of 346 in Texas
Problem loans are rising at North Dallas Bank & Trust Co.. The Dallas, Texas bank had $1.8 billion in assets at June 30, 2026, down 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.54% of loans from 0.05% a year earlier. It keeps 2.69 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also lost 1.9% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Net income for the quarter rose 29% from a year earlier, to $2.7 million. Profitability lags: it earns about $0.59 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, North Dallas Bank & Trust Co. reported a return on assets of 0.59%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 9.35%. The figures come from its call report filed with the FFIEC.
North Dallas Bank & Trust Co. ranks as the 57th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $1.81B, loans fell 3.3% and deposits fell 3.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 37.5% of total loans, ahead of owner-occupied commercial real estate loans at 19.7%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Dallas 3 offices book 63% of its branch deposits. Judged on its Q2 2026 call report, North Dallas Bank & Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12900 Preston Rd, Dallas, TX 75230
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 20, 1961
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 183
- Domestic deposits
- $1.56B
- Allowance for credit losses
- $19.9M
- Net charge-offs (YTD)
- $165K
- Average total assets
- $1.85B
- Average total loans
- $1.29B
- Average interest-bearing deposits
- $1.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 20, 1961
- FDIC Cert
- 18355
- Fed RSSD
- 490450
- Website
- www.ndbt.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, North Dallas Bank & Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, North Dallas Bank & Trust Co.'s total assets ran between $1.73B (Q3 2023) and $1.91B (Q4 2024), 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
$1.81B total assets against $1.88B; $1.62B total liabilities against $1.70B.
$1.24B net loans and leases against $1.25B; $1.56B total deposits against $1.59B.
$238.7M securities against $322.4M; $226.0M cash and balances due against $215.9M.
$21.2M total interest income against $20.8M; $9.4M total interest expense against $10.5M.
$11.8M net interest income against $10.3M.
$1.9M total noninterest income against $1.6M; $10.3M total noninterest expense against $9.3M.
$120K provision for credit losses against $106K.
$2.7M net income against $2.1M.
0.59% return on assets against 0.45%; 2.69% net interest margin against 2.28%.
10.22% tier 1 leverage ratio against 9.56%.
Inside the full North Dallas Bank & Trust Co. 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
North Dallas Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 639 of 4,196, for total assets; its furthest is 3,142 of 3,611, for ROA.
Metric pages for North Dallas Bank & Trust Co.: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 0.64% (Q4 2025) and its net interest margin ran from 1.89% (Q3 2024) to 2.69% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.22% | 0.59% | 1.54% | 9.35% | 2.69% |
| Q1 2026 | 9.95% | 0.38% | 0.05% | 0.34% | 2.45% |
| Q4 2025 | 9.74% | 0.64% | 0.05% | 0.29% | 2.45% |
| Q3 2025 | 9.69% | 0.46% | 0.06% | 0.41% | 2.48% |
| Q2 2025 | 9.56% | 0.45% | 0.05% | 0.33% | 2.28% |
| Q1 2025 | 9.46% | 0.28% | 0.02% | 0.16% | 2.09% |
| Q4 2024 | 9.32% | 0.27% | 0.02% | 0.16% | 2.05% |
| Q3 2024 | 9.59% | 0.11% | 0.03% | 0.17% | 1.89% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| North Dallas Bank & Trust Co. (main office) | Dallas , TX | 75230 | $724.6M |
| Plano Branch | Plano , TX | 75093 | $273.3M |
| Addison Branch | Dallas , TX | 75248 | $249.0M |
| Irving Branch | Irving , TX | 75063 | $169.6M |
| Frisco Branch | Frisco , TX | 75034 | $141.3M |
| Mobile Branch | Dallas , TX | 75230 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 81 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.3M approved, $658K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 North Dallas Bank & Trust Co.
What are North Dallas Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, North Dallas Bank & Trust Co. reported total assets of $1.81 billion in its FFIEC call report.
Where is North Dallas Bank & Trust Co. headquartered?
It is headquartered in Dallas, TX, United States.
When was North Dallas Bank & Trust Co. founded?
It was established in 1961, per the FDIC institution directory.
Is North Dallas Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Dallas Bank & Trust Co.?
North Dallas Bank & Trust Co.'s primary federal regulator is the FDIC.
How many branches does North Dallas Bank & Trust Co. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Dallas Bank & Trust Co.'s Texas Ratio?
Its Texas Ratio is 9.35% 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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