North Dallas Bank & Trust Co.
Headquarters
12900 Preston Rd
Dallas, TX 75230
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2026 Overview
General Bank Information
North Dallas Bank & Trust Co. is an FDIC insured institution located in Dallas, TX. It was founded in 1961 and has approximately $1.81 billion in assets. Customers can open an account at one of its 6 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 18355 |
| Date Established | 1961 |
| Assets | $ 1,809.98 million |
| Loans | $ 1,282.54 million |
| Deposits | $ 1,615.21 million |
| Capital | $ 185.10 million |
For a more detailed analysis of North Dallas Bank & Trust Co.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 30, 2026
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Branches
North Dallas Bank & Trust Co. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
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Florence,Oregon
North Dallas Bank & Trust Co. Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1629.22 | A | View Lobby Hours | |
| 1629.37 | B | View Lobby Hours | |
| 1632.57 | C | View Lobby Hours | |
| 1633.95 | D | View Lobby Hours | |
| 1636.20 | E | View Lobby Hours | |
| 1636.20 | F | View Lobby Hours |
Climate Policy and Initiatives
North Dallas Bank & Trust Co. is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
North Dallas Bank & Trust Co. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of North Dallas Bank & Trust Co.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| North Dallas Bank & Trust Co. | U.S. Bank Average |
|---|---|
| 0.34% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, North Dallas Bank & Trust Co. had $699,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $185,101,000 in equity and $19,687,000 in loans loss reserves. That gives it a Texas Ratio of 0.34%.
Return on Equity
| North Dallas Bank & Trust Co. | U.S. Bank Average |
|---|---|
| 4.87% | 10.69% |
North Dallas Bank & Trust Co. has a Return on Equity of 4.87% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| North Dallas Bank & Trust Co. | U.S. Bank Average |
|---|---|
| 10.23% | 11.75% |
North Dallas Bank & Trust Co. has a Capitalization of 10.23% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
North Dallas Bank & Trust Co. Balance Sheet Analysis
As of March 31, 2026, North Dallas Bank & Trust Co. had assets of $1,809,980,000, loans of $1,282,537,000, and deposits of $1,615,206,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 238.47 million |
| Interest-bearing balances | $ 226.03 million |
| Total securities | $ 259.67 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,282.54 million |
| Loan loss allowance | $ 19.69 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 37.33 million |
| Total Assets | $ 1,695.26 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 1,615.21 million |
| Interest-bearing deposits | $ 1,288.99 million |
| Deposits held in domestic offices | $ 1,615.21 million |
| % insured (estimated) | 56.29% |
| Federal funds purchased and repurchase agreements | $ 1.07 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.29 million |
| Total Liabilities | $ 1,695.26 million |
| Shareholders’ Equity | $ 114.72 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 20.64 million |
| Total Interest Expense | $ 9.76 million |
| Net interest income | $ 10.88 million |
| Provision for loan and lease losses | $ 0.23 million |
| Total non interest income | $ 1.80 million |
| Total non interest expense | $ 10.30 million |
| Pre-tax Net Operating Income | $ 5.43 million |
Bank Loan Profile?
The top three loan types in North Dallas Bank & Trust Co.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.
Compared to other banks in Texas, North Dallas Bank & Trust Co. has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 15.46 | ✓ | ||
| Multifamily Mortgages |
0.12 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.18 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 8.78 | ✓ | ||
| Commercial Real Estate | 44.78 | ✓ | ||
| Commercial and Industrial Loans | 4.64 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
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