NORTH DALLAS BANK & TRUST CO.

DALLAS, TX · Supervised by FDIC

Est. 1961FDIC #18,355RSSD: FDIC-18355

Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.38%

Institution Profile

FDIC BankFind

Website

www.ndbt.com

Address

12900 Preston Rd, DALLAS, TX

County

Dallas County

Established

March 20, 1961

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2024

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.6B

Net Loans

$1.3B

Net Income

$2M

ROA

0.38%

ROE

3.91%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate26.73%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.6B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	101	52.48%	26.73%
2023	122	54.1%	20.49%
2022	165	59.39%	22.42%
2021	199	76.88%	9.55%
2020	265	67.92%	12.45%
2019	201	61.69%	13.93%
2018	220	65%	14.09%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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