North Dallas Bank & Trust Co.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 15.98 percentage points in Q2 2026, from 323.20% to 307.22%. It was the largest change from Q1 2026 among the key lines here. North Dallas Bank & Trust Co. ranks 125th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. North Dallas Bank & Trust Co. sits 7.40 points lower, at 80.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.26B |
| Net loans and leases | $1.24B |
| Loans held for sale | $0 |
| Loans to total assets | 69.54% |
| Loan-to-deposit ratio | 80.80% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.12% |
| Multifamily (5+ residential) | 6.70% |
| Commercial and industrial | 5.43% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.89% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 307.22% |
| Construction concentration (Tier 1 capital + allowance) | 39.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.45% |
| Interest income on loans | $17.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.13B | $1.47B | 57.73% | 5.87% | 0.72% |
| Q4 2023 | $1.19B | $1.48B | 56.01% | 6.51% | 0.79% |
| Q1 2024 | $1.20B | $1.52B | 55.42% | 6.35% | 0.78% |
| Q2 2024 | $1.22B | $1.49B | 55.51% | 6.08% | 0.75% |
| Q3 2024 | $1.21B | $1.54B | 57.09% | 4.92% | 0.78% |
| Q4 2024 | $1.26B | $1.63B | 56.90% | 5.43% | 0.76% |
| Q1 2025 | $1.24B | $1.59B | 57.61% | 5.14% | 0.76% |
| Q2 2025 | $1.27B | $1.59B | 60.15% | 5.36% | 0.75% |
| Q3 2025 | $1.28B | $1.59B | 57.80% | 5.45% | 0.66% |
| Q4 2025 | $1.28B | $1.60B | 55.73% | 7.06% | 0.71% |
| Q1 2026 | $1.30B | $1.62B | 57.34% | 5.10% | 0.65% |
| Q2 2026 | $1.26B | $1.56B | 57.12% | 5.43% | 0.65% |
North Dallas Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Dallas Bank & Trust Co., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North Dallas Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18355) · FFIEC NIC profile (RSSD 490450)