Bank · FDIC insured
NDBT
A $1.8B bank headquartered in Dallas, TX, with 5 branches in Texas. Best rates: CDs 4.10% and savings 1.50% APY.
NDBT Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#34 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About NDBT
Founded in 1961 as North Dallas Bank & Trust, Co., NDBT is an independent bank headquartered at LBJ Freeway and Preston Road in Dallas, Texas.
Established to serve entrepreneurs, business leaders, and families, the bank operates six banking centers across North Texas, including Dallas, Plano, Las Colinas, Frisco, and Addison.
- Headquarters
- 12900 Preston Rd, Dallas, TX 75230
- FDIC certificate
- 18355 ↗
Branches
5 branches in Texas
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Texas
5 branches
- North Dallas Bank & Trust Co.Main office12900 Preston Rd, Dallas, TX 75230Directions
- Addison Branch5150 Keller Springs Rd, Dallas, TX 75248Directions
- Frisco Branch7359 Preston Rd, Frisco, TX 75034Directions
- Irving Branch7660 N Macarthur Blvd, Irving, TX 75063Directions
- Plano Branch3900 Preston Rd, Plano, TX 75093Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.22% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.54% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.49% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalLeverage ratio10.22%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.54%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.49%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of NDBT are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.