TellerScore

Headquartered in Dallas, Texas, Dallas Capital Bank, National Association is a national bank with $1.2B in total assets and $938.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1972.

Based on its Q2 2026 filing, Dallas Capital Bank, National Association scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 241st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (16/100; 99% loans-to-deposits, 56% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.35%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity16/100
Loans ÷ deposits and uninsured-deposit share: 99.0% · 55.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the funding & liquidity component weakened by 16 points.

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202464
Q4 202463
Q1 202566
Q2 202566
Q3 202567
Q4 202564
Q1 202663
Q2 202668
Tier 1 leverage ratio
5.00%8.25%11.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.71%
Q3 202410.58%
Q4 202410.21%
Q1 202510.69%
Q2 202510.38%
Q3 202510.29%
Q4 202511.00%
Q1 202611.51%
Q2 202611.35%
Noncurrent loans
0.00%0.20%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.39%
Q1 20260.38%
Q2 20260.00%
Return on assets
0.46%0.68%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.46%
Q3 20240.50%
Q4 20240.50%
Q1 20250.66%
Q2 20250.74%
Q3 20250.78%
Q4 20250.87%
Q1 20260.78%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.2B11.35%0.00%0.89%99.0%
Q1 202663$1.2B11.51%0.38%0.78%97.6%
Q4 202564$1.1B11.00%0.39%0.87%89.4%
Q3 202567$1.2B10.29%0.00%0.78%81.8%
Q2 202566$1.2B10.38%0.00%0.74%91.7%
Q1 202566$1.2B10.69%0.00%0.66%89.3%
Q4 202463$1.1B10.21%0.00%0.50%89.0%
Q3 202464$1.2B10.58%0.00%0.50%92.1%
Q2 202463$1.2B10.71%0.00%0.46%98.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.35%
67th
Total risk-based capital0.00%
13th
Problem loans0.00%
98th
Net charge-offs-0.00%
89th
Return on assets0.89%
23rd
Net interest margin3.17%
21st
Efficiency ratio65.6%
30th
Loans to deposits99.0%
17th
Uninsured deposits55.7%
6th
Loan-loss reserves0.69%
10th
Texas ratio0.0%
98th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas National BankBank Mcallen, TX70 out of 100, Strong$1.2B10.2%0.28%vs
Citizens State BankBank Somerville, TX66 out of 100, Moderate$1.2B12.9%1.99%vs
The First National Bank of BastropBank Bastrop, TX77 out of 100, Strong$1.2B11.6%0.33%vs
PointbankBank Pilot Point, TX53 out of 100, Below average$1.2B9.0%1.77%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Security State BankBank Pearsall, TX74 out of 100, Strong$1.1B10.7%0.00%vs

Deposit insurance

Is my money safe at Dallas Capital Bank, National Association?

Yes. Dallas Capital Bank, National Association is an FDIC-insured institution (FDIC certificate #20727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 55.7% of deposits ($523.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Dallas Capital Bank, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Dallas Capital Bank, National Association
Former names
Town North Bank, National Association; Town North National Bank; Dallas Capital Bank, National Association.
Type
National bank
FDIC certificate #
20727
RSSD ID
384652
Primary regulator
OCC
Holding company
Park Cities Finl Group Inc
Established
June 26, 1972
Headquarters
14185 Dallas Pkwy, Dallas, TX 75254
Employees
77

Quick answers

Dallas Capital Bank, National Association: common questions

Is Dallas Capital Bank, National Association FDIC insured?

Yes. Dallas Capital Bank, National Association is an FDIC-insured institution (FDIC certificate #20727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dallas Capital Bank, National Association's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Dallas Capital Bank, National Association ever failed?

There is no failure record for FDIC certificate #20727 in the FDIC failed bank list.

How many branches does Dallas Capital Bank, National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dallas

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs