BlastPoint's Banking Scorecard

North Dallas Bank & Trust Co.

$1B-$10B Specialty: Commercial TX FDIC cert 18355

Designations: ✓ Community bank

Dallas, TX

6 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits -1.9% year over year ($1.6B on the books).
Delinquency rate 1.57%.
Return on assets 0.49%.
Efficiency ratio 78.08% vs a 59.73% peer average.
Loan-to-deposit ratio 79.52% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

North Dallas Bank & Trust Co. faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 1.8% in tier
- Deposit Outflow: Bottom 32.1% in tier
- Return on Assets 0.90% below tier average
- Net Interest Margin 1.27% below tier average
- Efficiency Ratio 18.35% above tier average
- Delinquency Rate 0.70% above tier average

Get updates when North Dallas Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.8B -3.5% YoY -3.7% QoQ	-$983.3M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$1.2B -1.3% YoY -3.4% QoQ	-$724.4M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$1.6B -1.9% YoY -3.6% QoQ	-$761.0M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	0.49% +34.9% YoY +26.8% QoQ	-0.90%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 7.3% in tier
Net Interest Margin ?	2.60% +18.2% YoY +5.6% QoQ	-1.27%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 5.6% in tier
Efficiency Ratio ?	78.08% -4.6% YoY -3.9% QoQ	+18.35%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 8.8% in tier
Delinquency Rate ?	1.57%	+0.70%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 14.5% in tier
Loan-to-Deposit Ratio ?	79.52% +0.7% YoY +0.1% QoQ	-5.51%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	20.73% -3.5% YoY +2.6% QoQ	-0.54%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	1.07%	+0.40%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	10.22% +6.9% YoY +2.7% QoQ	-4.62%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 7.7% in tier
Non-Interest Income / Assets ?	0.21% +19.9% YoY +115.9% QoQ	-0.32%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	20.7% -0.7pp YoY +0.5pp QoQ	-0.6pp	21.4%	29.2%	22.2%	55%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	5.5% +0.1pp YoY +0.3pp QoQ	-8.5pp	14.0%	14.8%	12.5%	21%
CRE	71.7% -1.8pp YoY +0.5pp QoQ	+21.7pp	50.0%	48.4%	41.4%	90%
1-4 Family	19.0% +0.5pp YoY +0.5pp QoQ	-7.5pp	26.4%	25.8%	31.3%	40%
Consumer	0.7% -0.1pp YoY 0.0pp QoQ	-4.0pp	4.7%	4.7%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	10.2% +0.7pp YoY +0.3pp QoQ	-1.1pp	11.3%	12.6%	12.6%	42%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	183 +15 (+8.9%) YoY +13 (+7.6%) QoQ	-131	313	186	482	35%
Assets per Employee ($)	$9.9M -11.4% YoY -10.6% QoQ	-$591K	$10.5M	$10.1M	$8.8M	64%
Branch Count	6 0 YoY 0 QoQ	-14	20	12	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.6% +1.5pp YoY +1.5pp QoQ	+0.7pp	0.8%	1.0%	1.0%	87%
Allowance Coverage	1.02x -96.5% YoY -96.4% QoQ	-17.69x	18.71x	18.82x	20.23x	25%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	4.9% +1.0pp YoY +1.0pp QoQ	-7.7pp	12.6%	13.2%	11.6%	7%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.6%	1.7%	72%
Net Income ($, YTD)	$4.5M +32.5% YoY — QoQ	-$14.7M	$19.2M	$15.9M	$40.4M	9%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#5 of 222 • Bottom 1.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.22%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#43 of 131 • Bottom 32.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

836

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.87%

#836 of 885 Bottom 5.6% in $1B-$10B

821

Return on Assets

profitability

Value: 0.49%

Peer Median: 1.39%

#821 of 885 Bottom 7.3% in $1B-$10B

818

Tier 1 Capital Ratio

capital

Value: 10.22%

Peer Median: 14.84%

#818 of 885 Bottom 7.7% in $1B-$10B

808

Efficiency Ratio

profitability

Value: 78.08%

Peer Median: 59.73%

#808 of 885 Bottom 8.8% in $1B-$10B

755

Delinquency Rate

credit_quality

Value: 1.57%

Peer Median: 0.87%

#755 of 882 Bottom 14.5% in $1B-$10B

711

Nonperforming Asset Ratio

credit_quality

Value: 1.07%

Peer Median: 0.67%

#711 of 885 Bottom 19.8% in $1B-$10B