North Dallas Bank & Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Dallas Bank & Trust Co. of Dallas, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.46% | -0.87% | 12th bottom |
| ROAE | 5.83% | 12.72% | -6.89% | 13th bottom |
| Net Interest Margin | 2.69% | 3.85% | -1.16% | 7th bottom |
| Efficiency Ratio | 74.64% | 57.39% | +17.25% | 13th bottom |
| PPNR / Avg Assets | 0.74% | 1.88% | -1.14% | 8th bottom |
| Yield on Earning Assets | 4.83% | 5.72% | -0.89% | 14th bottom |
| Cost of Funds | 1.95% | 2.02% | -0.07% | 54th above |
| Net Interest Spread | 1.99% | 3.18% | -1.19% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.95% | 1.00% | +2.95% | 2nd bottom |
| NPA / Total Assets | 2.75% | 0.76% | +1.99% | 3rd bottom |
| NCO / Avg Loans | -0.04% | 0.43% | -0.47% | 96th top |
| ACL / Total Loans | 1.58% | 1.31% | +0.27% | 88th top |
| ACL / NPLs (Coverage) | 39.94% | 543.71% | -503.77% | 5th bottom |
| Texas Ratio | 23.97% | 7.38% | +16.59% | 4th bottom |
| Provision / NCO | 109.09% | 619.02% | -509.93% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.22% | 11.44% | -1.22% | 43rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.37% | 11.34% | -0.97% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.37% | 10.50% | -0.13% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.80% | 86.96% | -6.16% | 68th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.87% | 85.55% | +2.32% | 46th below |
| Uninsured Deposit Ratio | 42.65% | 33.12% | +9.53% | 21st bottom |
| Wholesale Funding Ratio | 3.02% | 5.71% | -2.69% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.48% | 9.69% | -13.17% | 5th bottom |
| Loan Growth (Y/Y) | -1.18% | 8.06% | -9.24% | 13th bottom |
| Deposit Growth (Y/Y) | -1.94% | 7.88% | -9.82% | 11th bottom |
See North Dallas Bank & Trust Co.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Dallas Bank & Trust Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full North Dallas Bank & Trust Co. profile, how to read a UBPR, or how this data updates.