BlastPoint's Banking Scorecard
North Dallas Bank & Trust Co.
Community
Specialty: Commercial
TX
FDIC cert 18355
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
North Dallas Bank & Trust Co. has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2% in Community
- - Credit Quality Pressure: Bottom 4% in Community
- - Capital Thin: Bottom 7% in Community
- - Deposit Outflow: Bottom 14% in Community
- - Return on Assets 0.71% below tier
- - Net Interest Margin 1.31% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
-2.1% YoY
+0.2% QoQ
|
+$478.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.3B
+2.1% YoY
+0.1% QoQ
|
+$288.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.6B
-1.7% YoY
+1.1% QoQ
|
+$439.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.46%
+143.6% YoY
+16.2% QoQ
|
-0.71% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.35%
+19.2% YoY
+2.1% QoQ
|
-1.31% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
77.49%
-13.1% YoY
-2.8% QoQ
|
+14.85% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.05%
+90.1% YoY
-28.3% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
78.77%
+3.8% YoY
-1.0% QoQ
|
-4.29% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
20.38%
-11.9% YoY
-7.6% QoQ
|
-0.66% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.03%
+98.2% YoY
-28.4% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.36%
+12.4% YoY
+37.0% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#109 of 371 · Top 29% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (6)
Credit Risk Growth
risk
#17 of 642 · Bottom 2% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#32 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#32 of 432 · Bottom 7% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#36 of 248 · Bottom 14% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Return on Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.46%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.35%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.77% · Tier avg: 83.06%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.38% · Tier avg: 21.05%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Efficiency Ratio
Current: 77.49% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.16%
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.66%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.49% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.38% · Tier avg: 21.05%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.77% · Tier avg: 83.06%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
89
89th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%