Total Assets
$1.9B
Total balance-sheet footings
FDIC Cert #18355 · Dallas, Texas · Est. 1961
North Dallas Bank & Trust Co. - 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.
- $1.9B
- Total assets
- D
- Health grade · Weak
- 0.46%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
North Dallas Bank & Trust Co. earns a PlainBankData health grade of D (49/100), with 9.74% Tier 1 capital, 0.46% ROA, 77% efficiency ratio.
- #633
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 9.74%
- Tier 1 ratio - below the 10% well-capitalized line
- 14th
- 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.
How North Dallas Bank & Trust Co.'s 49/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
North Dallas Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (9.74%) 18/40
Return on Assets (ROA) (0.46%) 7/25
Texas Ratio (0.29%) 20/20
Efficiency Ratio (77.49%) 4/15
49 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where North Dallas Bank & Trust Co. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. North Dallas Bank & Trust Co.'s score of 49/100 falls in the highlighted band.
North Dallas Bank & Trust Co.'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). North Dallas Bank & Trust Co.'s $1.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.74% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.74%
Texas Ratio
0.29%
Equity Capital
$183M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.46%
Return on Equity (ROE)
4.87%
Efficiency Ratio
77.49%
What the numbers say about North Dallas Bank & Trust Co.
North Dallas Bank & Trust Co. is an FDIC-insured institution (Certificate #18355) headquartered in Dallas, Texas, established in 1961. It holds $1.9B in total assets - 633rd of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.3B in net loans. Its capital position: a Tier 1 ratio of 9.74%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.29% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (49 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
North Dallas Bank & Trust Co. sits 55th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$84M
Interest Income
$7M
Non-Interest Income
$38M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. North Dallas Bank & Trust Co. reports a Texas Ratio of 0.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at North Dallas Bank & Trust Co.
North Dallas Bank & Trust Co.'s grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.74% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at North Dallas Bank & Trust Co. 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
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) North Dallas Bank & Trust Co. (FDIC Cert #18355) - 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.
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% |
Frequently asked questions
What is North Dallas Bank & Trust Co.'s health grade?▼
North Dallas Bank & Trust Co. receives a health grade of D (49/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is North Dallas Bank & Trust Co.?▼
North Dallas Bank & Trust Co. holds $1.9B in total assets and $1.6B in deposits, ranking 633rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Dallas, Texas.
Is my money safe at North Dallas Bank & Trust Co.?▼
Yes, deposits at North Dallas Bank & Trust Co. (Certificate #18355) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is North Dallas Bank & Trust Co.'s Tier 1 Capital Ratio?▼
North Dallas Bank & Trust Co. has a Tier 1 Capital Ratio of 9.74%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for North Dallas Bank & Trust Co.?▼
North Dallas Bank & Trust Co. has a Texas Ratio of 0.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is North Dallas Bank & Trust Co.?▼
North Dallas Bank & Trust Co. has an Efficiency Ratio of 77.49%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read North Dallas Bank & Trust Co.'s profile as a depositor or analyst.
- North Dallas Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare North Dallas Bank & Trust Co. against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.