BlastPoint's Banking Scorecard
North Dallas Bank & Trust Co.
Designations: ✓ Community bank
Dallas, TX
6 branches across TX
North Dallas Bank & Trust Co. has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37.3% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.1% in tier
- - Capital Thin: Bottom 4.5% in tier
- - Flatlined Growth: Bottom 6.0% in tier
- - Credit Risk Growth: Bottom 13.6% in tier
- - Efficiency Drag: Bottom 32.4% in tier
- - Return on Assets 0.98% below tier average
- - Net Interest Margin 1.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+0.2% YoY
+0.6% QoQ
|
-$935.3M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.3B
+4.8% YoY
+1.5% QoQ
|
-$682.3M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$1.6B
+1.3% YoY
+0.7% QoQ
|
-$728.1M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
0.38%
+39.2% YoY
-16.0% QoQ
|
-0.98% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.2% in tier |
| Net Interest Margin ? |
2.46%
+17.7% YoY
+4.7% QoQ
|
-1.36% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio ? |
81.29%
-5.6% YoY
+4.9% QoQ
|
+20.23% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate ? |
0.05%
+121.7% YoY
+16.7% QoQ
|
-0.83% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 7.4% in tier |
| Loan-to-Deposit Ratio ? |
79.40%
+3.4% YoY
+0.8% QoQ
|
-4.80% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
20.20%
-5.8% YoY
-0.9% QoQ
|
-1.09% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.04%
+131.9% YoY
+17.8% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 7.2% in tier |
| Tier 1 Capital Ratio ? |
9.95%
+5.1% YoY
+2.1% QoQ
|
-5.21% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.4% in tier |
| Non-Interest Income / Assets ? |
0.10%
+13.4% YoY
-73.3% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.