BlastPoint's Banking Scorecard
Dallas Capital Bank, National Association
Designations: ✓ Community bank
Dallas, TX
Dallas Capital Bank, National Association has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 18.8% in tier
- - Liquidity Strain: Bottom 20.7% in tier
- - Capital Thin: Bottom 31.7% in tier
- - Capital Constraint: Bottom 35.1% in tier
- - Flatlined Growth: Bottom 36.7% in tier
- - ROA 0.59% below tier average
- - Net Interest Margin 0.75% below tier average
- - Efficiency Ratio 7.67% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.8% YoY
+6.1% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$891.5M
+1.2% YoY
+4.9% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$913.0M
-7.4% YoY
-3.9% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.1% in tier |
| Return on Assets ? |
0.78%
+17.7% YoY
-10.0% QoQ
|
-0.59% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.07%
+9.2% YoY
+3.3% QoQ
|
-0.75% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
68.74%
-3.0% YoY
+1.9% QoQ
|
+7.67% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.38%
-4.7% QoQ
|
-0.51% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
97.65%
+9.4% YoY
+9.2% QoQ
|
+13.44% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
28.41%
+20.8% YoY
+8.9% QoQ
|
+7.12% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.28%
-5.8% QoQ
|
-0.39% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.51%
+7.6% YoY
+4.6% QoQ
|
-3.65% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.06%
+0.8% YoY
-77.0% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.9% in tier |
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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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.