Total Assets
$129M
Total balance-sheet footings
FDIC Cert #29208 · Dalhart, Texas · Est. 1934
Dalhart Federal Savings & Loan Association, SSB - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $129M
- Total assets
- C
- Health grade · Fair
- -0.23%
- Return on assets
- 25.0%
- Tier 1 capital
Data updated July 2026
The verdict
Dalhart Federal Savings & Loan Association, SSB earns a PlainBankData health grade of C (60/100), with well-capitalized at 24.97% Tier 1, -0.23% ROA, 104% efficiency ratio.
- #3,521
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 24.97%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 29208 · TX C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3816/4307
- PHOTO-FINISH Eureka Homestead · LA
- TIER1-WELL 25.0% Tier 1
- TEXAS-CLEAN 3.7% Texas
- ROA-LOSS -0.23% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Texas: Eureka Homestead, LA (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Dalhart Federal Savings & Loan Associ…
Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.
Call Report read for Dalhart Federal Savings & Loan Associ… in a high-failure state
Dalhart Federal Savings & Loan Association, SSB (FDIC Cert #29208) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,816 of 4,307. Tier 1 capital prints at 24.97%, clearing the 10% well-capitalized line. The Texas Ratio is 3.69%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.23%. Balance-sheet scale is $129M, 3,521st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eureka Homestead (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Dalhart Federal Savings & Loan Associ…
14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus
Dalhart Federal Savings & Loan Association, SSB sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Dalhart Federal Savings & Loan Association, SSB's current Call Report.
- SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
- ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
- FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.
How Dalhart Federal Savings & Loan Association, SSB's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (24.97%) 40/40
Return on Assets (ROA) (-0.23%) 0/25
Texas Ratio (3.69%) 20/20
Efficiency Ratio (104.14%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$96M
Customer-funded liabilities
Net Loans
$81M
Outstanding loan book
Net Income
$-300K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dalhart Federal Savings & Loan Association, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dalhart Federal Savings & Loan Association, SSB's score of 60/100 falls in the highlighted band.
Dalhart Federal Savings & Loan Association, SSB: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 11th percentile higher than 11% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Dalhart Federal Savings & Loan Association, SSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Dalhart Federal Savings & Loan Association, SSB's $129M falls in the highlighted band.
Capital & credit buffers at Dalhart Federal Savings & Loan Associ…
Tier 1 capital ratio
Well-capitalized 10%
24.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.97%
Texas Ratio
3.69%
Equity Capital
$13M
Profitability metrics: Dalhart Federal Savings & Loan Associ…
Return on Assets (ROA)
4th percentile nationally
-0.23%
Return on Equity (ROE)
-2.40%
Efficiency Ratio
104.14%
Income & expense: loss period at Dalhart Federal Savings & Loan Associ…
$7M
Interest Income
$319K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dalhart Federal Savings & Loan Association, SSB reports a Texas Ratio of 3.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Dalhart Federal Savings & Loan Association, SSB
Dalhart Federal Savings & Loan Association, SSB's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-300K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Dalhart Federal Savings & Loan Association, SSB up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Texas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($129M here), outside Texas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dalhart Federal Savings & Loan Association, SSB (FDIC Cert #29208) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Dalhart Federal Savings & Loan Association, SSB Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |