North Dallas Bank & Trust Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 24.02 percentage points lower than in Q1 2026, at 39.94%. North Dallas Bank & Trust Co. ranks 305th of 345 Texas banks on return on assets, in the lower half at 0.59% (Q2 2026). North Dallas Bank & Trust Co.'s return on assets of 0.59% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.22% |
| Equity capital to assets | 10.37% |
| Tangible equity to tangible assets | 10.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.95% |
| Non-performing assets ratio | 2.75% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 23.97% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 39.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 5.83% |
| Net interest margin | 2.69% |
| Efficiency ratio | 74.64% |
| Yield on earning assets | 4.83% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.80% |
| Core deposits to total deposits | 87.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.07% |
| Securities to assets | 13.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.13% | 0.15% | 1.84% | 0.10% | 0.02% |
| Q4 2023 | 9.88% | 0.08% | 1.87% | 0.10% | -0.00% |
| Q1 2024 | 9.62% | 0.16% | 1.90% | 0.00% | -0.00% |
| Q2 2024 | 9.57% | 0.21% | 1.93% | 0.00% | -0.00% |
| Q3 2024 | 9.59% | 0.11% | 1.89% | 0.03% | 0.00% |
| Q4 2024 | 9.32% | 0.27% | 2.05% | 0.02% | 0.00% |
| Q1 2025 | 9.46% | 0.28% | 2.09% | 0.02% | 0.00% |
| Q2 2025 | 9.56% | 0.45% | 2.28% | 0.05% | 0.00% |
| Q3 2025 | 9.69% | 0.46% | 2.48% | 0.05% | 0.02% |
| Q4 2025 | 9.74% | 0.64% | 2.45% | 1.34% | 0.00% |
| Q1 2026 | 9.95% | 0.38% | 2.45% | 2.36% | 0.09% |
| Q2 2026 | 10.22% | 0.59% | 2.69% | 3.95% | -0.04% |
North Dallas Bank & Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Dallas Bank & Trust Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)