BlastPoint's Banking Scorecard
Dallas Capital Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 20727
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Dallas Capital Bank, National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 29% in Community
- - Capital Thin: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.7% YoY
-7.7% QoQ
|
-$261.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$849.8M
+2.8% YoY
+0.0% QoQ
|
-$125.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$950.5M
+2.3% YoY
-8.5% QoQ
|
-$214.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.87%
+73.8% YoY
+11.4% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.97%
+13.6% YoY
+3.1% QoQ
|
-0.69% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
67.46%
-11.4% YoY
-1.3% QoQ
|
+4.82% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? | 0.40% | -0.23% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
89.41%
+0.5% YoY
+9.3% QoQ
|
+6.34% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
26.09%
+2.9% YoY
+17.5% QoQ
|
+5.05% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? | 0.30% | -0.20% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
54% |
| 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 ? |
0.25%
+1.9% YoY
+45.3% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#187 of 642 · Bottom 29% 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
Capital Thin
risk
#137 of 432 · Bottom 32% 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
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
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 21.05%
61
61th pctile
Total Loans
Current: $849.8M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $950.5M · Tier avg: $1.2B
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.41% · Tier avg: 83.06%
33
33th pctile
Efficiency Ratio
Current: 67.46% · Tier avg: 62.63%
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
33
33th pctile
Efficiency Ratio
Current: 67.46% · Tier avg: 62.63%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.41% · Tier avg: 83.06%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
56
56th pctile
Total Deposits
Current: $950.5M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $849.8M · Tier avg: $975.5M
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 21.05%