Visbanking Logo
Skip to main content

North Dallas Bank And Trust Co

IDRSSD: 490450
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 490450 held $1.9B in total assets as of 2026-03-31 (+0.6% quarter-over-quarter). Total loans stood at $1.3B (+1.5% QoQ) and total deposits at $1.6B (+0.7% QoQ).

Overall position is adequate — the composite Health Score is 46/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the top quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 2 critical-severity rows. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
46/100
Adequate
Active Alerts
3
2 critical, 1 warning
Total Assets
$1.9B
+0.6% QoQ
Total Loans
$1.3B
+1.5% QoQ
Total Deposits
$1.6B
+0.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
14th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
14th pctile · n=500↑ better

Liquidity

Cash / Assets
12.68%
83th pctile · n=500↑ better
-32 bp QoQ
Loans / Deposits
79.40%
33th pctile · n=497↓ better
+63 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.05%
12th pctile · n=500↓ better
+1 bp QoQ
NPA / Assets
0.04%
10th pctile · n=500↓ better
+1 bp QoQ
Texas Ratio (regulatory)
0.34%
10th pctile · n=500↓ better
+5 bp QoQ
Net Charge-Offs / Avg Loans
0.09%
76th pctile · n=500↓ better
ALLL Coverage of NPL
2816.45%
94th pctile · n=500↑ better
-55050 bp QoQ

Earnings

Net Interest Margin
2.46%
4th pctile · n=500↑ better
-5 bp QoQ
Return on Assets
0.38%
8th pctile · n=500↑ better
-27 bp QoQ
Return on Equity
3.91%
9th pctile · n=500↑ better
-280 bp QoQ
Efficiency Ratio
81.29%
92th pctile · n=500↓ better
+988 bp QoQ
Pre-tax NOI / Avg Assets
0.46%
7th pctile · n=500↑ better
-33 bp QoQ

Funding

Brokered / Deposits
0.00%
18th pctile · n=497↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
4.25%
70th pctile · n=500↓ better
-26 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
13.81%
46th pctile · n=500↑ better
-69 bp QoQ
AFS Securities / Assets
8.61%
34th pctile · n=500↑ better
+11 bp QoQ
HTM Securities / Assets
5.20%
87th pctile · n=500↑ better
-80 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 20:17:34 UTC