North Dallas Bank & Trust Co.: how it compares with its peers
Against 73 TX banks with half to twice its assets, North Dallas Bank & Trust Co.'s strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $8.6M peer median). Its weakest relative measure is net interest margin (2.60% vs. 3.96%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.49% | 1.50% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.60% | 3.96% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.08% | 58.07% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $8.6M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.52% | 80.68% | Context |
What it means for lending operations
Its efficiency ratio of 78.08% is above the 58.07% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of Central Texas Waco, TX · $1.77B
- First State Bank Gainesville, TX · $1.85B
- American Bank of Commerce Wolfforth, TX · $1.86B
- FirstBank Southwest Amarillo, TX · $1.88B
- Commercial Bank of Texas, National Association Nacogdoches, TX · $1.69B
- First State Bank of Uvalde Uvalde, TX · $1.68B
Questions about North Dallas Bank & Trust Co.
How big is North Dallas Bank & Trust Co.?
North Dallas Bank & Trust Co., established in 1961, is headquartered in Dallas, TX. It reported $1.81B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is North Dallas Bank & Trust Co.'s return on assets?
0.49% annualized in Q2 2026, against a 1.50% median for 73 TX banks with half to twice its assets, ahead of 5% of them.
What is North Dallas Bank & Trust Co.'s efficiency ratio?
78.08% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 58.07%, and lower is better.
Is North Dallas Bank & Trust Co. growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits shrank 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.