North Dallas B&T

North Dallas B&T Locations
P.O. Box 679001
Dallas, TX 75367-9001
972-716-7100
www.ndbt.com
North Dallas Bank & Trust Co. opened for business in 1961. Their goal is to develop innovative products and services to meet all of your banking needs now and in the future. They are committed to offering their customers superior customer service at all times. For years their staff has taken great pride in the personal attention they give their customers. They're here today and more importantly, they'll be here tomorrow.



Report an Issue
See Rates for: Checking | Savings | Money Market | CD | IRA

North Dallas B&T Checking Account Rates

ApyMinMaxProduct
1.00%--IOLTA Interest Checking
0.10%$1,500-Interest Checking
0.10%$1,500-Relationship Plus Checking

North Dallas B&T Savings Account Rates

ApyMinMaxProduct
0.30%$10k-Health Savings
0.30%$100k-High Yield Savings
0.20%--Celebration Club
0.15%$250-Regular Savings

North Dallas B&T Money Market Rates

ApyMinMaxProduct
0.25%$50k-Money Max

North Dallas B&T CD Rates

ApyMinMaxProduct
1.10%$100k-60 Month Jumbo CD
1.05%$1k-60 Month CD
1.00%$5k-59 Month FlexRate CD Special
0.65%$100k-36 Month Jumbo CD
0.60%$1k-36 Month CD
0.55%$100k-24 Month Jumbo CD
0.50%$1k-24 Month CD
0.50%$100k-18 Month Jumbo CD
0.50%$5k-13 Month Senior Select CD Special
0.50%$1k-15 Month FlexRate CD Special
0.40%$1k-18 Month CD
0.35%$100k-12 Month Jumbo CD
0.30%$1k-12 Month CD
0.25%$100k-180 Day Jumbo CD
0.15%$1k-180 Day CD
0.15%$100k-60 Days Jumbo CD
0.15%$100k-90 Days Jumbo CD
0.10%$100k-30 Day Jumbo CD
0.05%$1k-30 Day CD
0.05%$1k-90 Day CD
0.05%$100k-14 Day Jumbo CD

North Dallas B&T IRA Rates

ApyMinMaxProduct
1.10%$100k-60 Month Jumbo CESA
1.10%$100k-60 Month Jumbo IRA
1.10%$100k-60 Month Jumbo Roth IRA
1.05%$1k-60 Month CESA
1.05%$1k-60 Month IRA
1.05%$1k-60 Month Roth IRA
1.00%$5k-59 Month FlexRate CESA Special
1.00%$5k-59 Month FlexRate IRA Special
1.00%$1k-60 Month FlexRate IRA Special
1.00%$1k-60 Month FlexRate CESA Special
1.00%$5k-59 Month FlexRate Roth IRA Special
1.00%$1k-60 Month FlexRate Roth IRA Special
0.65%$100k-36 Month Jumbo CESA
0.65%$100k-36 Month Jumbo IRA
0.65%$100k-36 Month Jumbo Roth IRA
0.60%$1k-36 Month CESA
0.60%$1k-36 Month IRA
0.60%$1k-36 Month Roth IRA
0.55%$100k-24 Month Jumbo CESA
0.55%$100k-24 Month Jumbo IRA
0.55%$100k-24 Month Jumbo Roth IRA
0.50%$5k-13 Month Senior Select CESA Special
0.50%$1k-15 Month FlexRate CESA Special
0.50%$100k-18 Month Jumbo CESA
0.50%$1k-24 Month CESA
0.50%$5k-13 Month Senior Select IRA Special
0.50%$1k-15 Month FlexRate IRA Special
0.50%$100k-18 Month Jumbo IRA
0.50%$1k-24 Month IRA
0.50%$5k-13 Month Senior Select Roth IRA Special
0.50%$1k-15 Month FlexRate Roth IRA Special
0.50%$100k-18 Month Jumbo Roth IRA
0.50%$1k-24 Month Roth IRA
0.40%$1k-18 Month CESA
0.40%$1k-18 Month IRA
0.40%$1k-18 Month Roth IRA
0.35%$100k-12 Month Jumbo CESA
0.35%$100k-12 Month Jumbo IRA
0.35%$100k-12 Month Jumbo Roth IRA
0.30%$1k-12 Month CESA
0.30%$1k-12 Month IRA
0.30%$1k-12 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


North Dallas Bank & Trust Co.
FDIC Certificate #18355
BankRate ReportView
Year Established1961
Employees152
Primary RegulatorFDIC

Assets and Liabilities

Assets$1.17 billion
Loans$344.05 million
Deposits$1.03 billion
Equity Capital$123.76 million
Loan Loss Allowance$7.81 million
Unbacked Noncurrent Loans$4.14 million
Real Estate Owned$2.70 million

Historic Data - September 2010

Assets$1.11 billion
Equity Capital$118.83 million
Loan Loss Allowance$8.03 million
Unbacked Noncurrent Loans$5.23 million
Real Estate Owned$1.42 million

Profit Margin - Quarterly

Net Interest Margin2.34%
Return on Assets0.48%
Return on Equity4.46%
Interest Income$24.29 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 North Dallas B&T had $6.84 million in non-current loans and owned real-estate with $131.57 million in equity and loan loss allowances on hand to cover it. This gives North Dallas B&T a Texas Ratio of 5.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for North Dallas B&T held steady from 5.24% as of September 30, 2010 to 5.20% as of September 30, 2011, resulting in a positive change of 0.83%.This indicates that the balance sheet and financial strength for North Dallas B&T has held steady in recent periods.
Deposit Growth5
In the past year, North Dallas B&T has increased its total deposits by $56.06 million, resulting in 5.75% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Dallas B&T has shown is excellent.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Dallas B&T has $1.17 billion in assets with $131.57 million in equity, resulting in a capitalization level of 11.25%, which is above average.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
Featured Savings Account
Nationwide Savings Accounts