BlastPoint's Banking Scorecard
Dallas Capital Bank, National Association
Designations: ✓ Community bank
Dallas, 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 -5.9% year over year ($938.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.89%.
- Efficiency ratio 65.56% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.96% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Dallas Capital Bank, National Association has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.2% in tier
- - Capital Thin: Bottom 27.9% in tier
- - Capital Constraint: Bottom 34.4% in tier
- - Flatlined Growth: Bottom 43.2% in tier
- - ROA 0.50% below tier average
- - Net Interest Margin 0.70% below tier average
- - Efficiency Ratio 5.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.6% YoY
+0.6% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$929.1M
+1.5% YoY
+4.2% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$938.9M
-5.9% YoY
+2.8% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.5% in tier |
| Return on Assets ? |
0.89%
+20.7% YoY
+14.7% QoQ
|
-0.50% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.17%
+11.3% YoY
+3.3% QoQ
|
-0.70% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
65.56%
-4.1% YoY
-4.6% QoQ
|
+5.83% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.87% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
98.96%
+7.9% YoY
+1.3% QoQ
|
+13.92% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
24.43%
+18.0% YoY
-14.0% QoQ
|
+3.16% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.35%
+9.3% YoY
-1.4% QoQ
|
-3.49% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.12%
-1.3% YoY
+103.5% QoQ
|
-0.41% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.4%
+3.7pp YoY -4.0pp QoQ |
+3.1pp | 21.4% | 29.2% | 22.2% | 69% |
| Brokered Deposits |
2.3%
-10.9pp YoY +1.7pp QoQ |
-7.2pp | 9.5% | 8.0% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.9%
-0.7pp YoY -0.6pp QoQ |
-0.1pp | 14.0% | 14.8% | 12.5% | 63% |
| CRE |
42.2%
-5.4pp YoY -2.3pp QoQ |
-7.9pp | 50.0% | 48.4% | 41.4% | 29% |
| 1-4 Family |
17.5%
+3.6pp YoY -0.5pp QoQ |
-9.0pp | 26.4% | 25.8% | 31.3% | 37% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.7% | 5.0% | 0% |
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 |
11.3%
+1.0pp YoY -0.2pp QoQ |
0.0pp | 11.3% | 12.6% | 12.6% | 67% |
| 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 |
77
+1 (+1.3%) YoY +1 (+1.3%) QoQ |
-237 | 313 | 186 | 482 | 3% |
| Assets per Employee ($) |
$15.7M
+0.3% YoY -0.7% QoQ |
+$5.2M | $10.5M | $10.1M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
+0.9pp YoY +1.0pp QoQ |
-5.1pp | 12.6% | 13.2% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.1%
-0.6pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.6% | 1.7% | 66% |
| Net Income ($, YTD) |
$5.3M
+23.2% YoY — QoQ |
-$14.0M | $19.2M | $15.9M | $40.4M | 13% |
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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 (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.