North Dallas Bank & Trust Co.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.22% +1.22 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $188.9M | 188,925 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.85B | 1,848,850 | RCOAA224 |
| Recomputed ratio | 10.22% | numerator / denominator | |
| Filed ratio | 10.22% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.22 pp | $22.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 41,660 | 41,660 | 41,660 | 41,660 | 41,660 | 41,660 | RCOAP742 |
| Retained earnings | 147,265 | 144,806 | 143,258 | 140,468 | 138,572 | 136,726 | RCOAKW00 |
| Accumulated other comprehensive income | (1,140) | (1,365) | (1,437) | (2,290) | (3,649) | (4,650) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 187,785 | 185,101 | 183,481 | 179,838 | 176,583 | 173,736 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,140 | 1,365 | 1,437 | 2,290 | 3,649 | 4,650 | P859 - P840 |
| Common equity Tier 1 capital | 188,925 | 186,466 | 184,918 | 182,128 | 180,232 | 178,386 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 188,925 | 186,466 | 184,918 | 182,128 | 180,232 | 178,386 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,848,850 | 1,874,783 | 1,898,823 | 1,879,142 | 1,884,732 | 1,885,409 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.22% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 9.95% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.74% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.69% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 9.56% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.46% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 9.32% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.59% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.57% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.62% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 9.88% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 10.13% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| North Dallas Bank & Trust Co. (this bank) | CBLR | NA | NA | NA | 10.22% | |
| Ccfbank N.A. | $1.81B | Risk-based | 12.94% | 12.94% | 14.19% | 11.21% |
| Bank of New England | $1.82B | CBLR | NA | NA | NA | 16.78% |
| First Citizens Bank | $1.80B | Risk-based | 13.75% | 13.75% | 14.96% | 11.96% |
| Old Dominion National Bank | $1.80B | Risk-based | 13.99% | 13.99% | 14.92% | 11.75% |
| The National Bank of Blacksburg | $1.83B | Risk-based | 16.52% | 16.52% | 17.38% | 10.54% |
| Wellworth Bank | $1.84B | Risk-based | 13.79% | 13.79% | 14.98% | 9.92% |
| North Easton Savings Bank | $1.84B | Risk-based | 16.22% | 16.22% | 16.80% | 11.19% |
| Legacy Bank & Trust Company | $1.85B | CBLR | NA | NA | NA | 11.91% |
| Peer 25th percentile | 13.76% | 13.76% | 14.93% | 11.03% | ||
| Peer median | 13.89% | 13.89% | 14.97% | 11.48% | ||
| Peer 75th percentile | 15.66% | 15.66% | 16.34% | 11.92% | ||
| This bank's percentile | NA | NA | NA | 12 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/490450/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.