Dallas Capital Bank

What Dallas Capital Bank does

Dallas Capital Bank is a privately held commercial bank founded in 2015 and headquartered in a single office at 14185 Dallas Parkway, Dallas, Texas. Operating under a branch-lite, relationship-focused model, the bank serves middle-market businesses, entrepreneurs, commercial real estate investors and developers, independent mortgage bankers, private equity and family offices, and high-net-worth professionals primarily in the Dallas-Fort Worth metroplex. Its parent holding company is Park Cities Financial Group. As of June 2026, the bank reported total assets of $1.2 billion and net profit of $10.1 million for 2025, up from $5.7 million in 2024.

The bank's product portfolio spans six core service lines: Commercial Banking (revolving lines of credit, owner-occupied real estate loans, term loans, acquisition financing); Commercial Real Estate (term financing, short-term bridge loans, construction and development financing); Middle Market Banking (private equity and family office solutions, acquisition financing, syndicated credit); Mortgage Warehouse (same-day funding, competitive product offerings, 24/7 reporting for independent mortgage bankers); Private Banking (bespoke deposit and financing for high-net-worth individuals); and Treasury Management (online banking, custom reporting, disbursement, receivables, liquidity management, and fraud protection). Its technology stack layers digital banking and mobile apps on top of payment rails including Real Time Payments via The Clearing House (DCB was among the first 30 U.S. banks to offer full send and receive RTP), FedNow, ACH (including Same-Day ACH), Fedwire wires, Zelle through Early Warning Services, and commercial card programs through Elan Financial Services.

Revenue is generated primarily through net interest income on commercial, commercial real estate, mortgage warehouse, and private banking loans, supplemented by non-interest income from treasury management fees, deposit service charges, wire transfer fees, and card transaction economics. Pricing is quote-based and not publicly disclosed, with the exception of a 3.75% APY on IOLTA accounts as of October 2024. The bank employs over 125 team members; the leadership team averages over three decades of banking experience and was recruited from Bank of America, BBVA Compass, J.P. Morgan, Texas Capital Bank, Truist, BMO, Comerica, Bank OZK, Cadence Bank, and other institutions. On June 17, 2026, MidFirst Bank agreed to acquire Dallas Capital Bank, with closing expected in Q4 2026 and system conversion in Q2 2027.

Name

Dallas Capital Bank

Legal name

Dallas Capital Bank

Website

https://dallascapitalbank.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Dallas Capital Bank is a privately held Dallas-based commercial bank serving middle-market businesses, entrepreneurs, real estate developers, independent mortgage bankers, and high-net-worth professionals across six service lines including commercial banking, commercial real estate, mortgage warehouse, and treasury management.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Real Estate (Commercial Property, REITs) (FSABACAH), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Commercial banking services
• Treasury management solutions
• Mortgage warehouse lending
• Commercial real estate financing
• Private banking services

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Net Interest Income: Primary revenue stream from interest earned on loans including commercial loans, commercial real estate loans, mortgage warehouse financing, and private banking lending products. Interest earned on securities and other interest-earning assets.
2. Non-Interest Income: Fees and charges including treasury management fees, deposit service charges, wire transfer fees, and other banking service fees.
3. Commercial Card Programs: Revenue from commercial card programs through partnership with Elan Financial Services (Visa), including merchant services and card transaction fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Dallas Capital Bank is a Dallas-based commercial bank providing relationship-driven lending and deposit services through six core lines: Commercial Banking (lines of credit, term loans, acquisition financing), Commercial Real Estate (term, bridge, and construction financing), Middle Market Banking (PE/family office, syndicated credit), Mortgage Warehouse (same-day funding for independent mortgage bankers), Private Banking (bespoke personal banking for HNW individuals), and Treasury Management (online banking, custom reporting, fraud protection). The bank also integrates payment rails including Zelle, RTP, FedNow, ACH, wires, IOLTA, and commercial card programs.

Product overview

Dallas Capital Bank operates as a boutique commercial bank offering a unified banking platform focused on relationship-based lending and deposit services. The product portfolio centers on six core service lines: Commercial Banking (revolving lines of credit, term loans, acquisition financing), Commercial Real Estate (term financing, bridge loans, construction financing), Middle Market Banking (private equity/family office solutions, syndicated credit), Mortgage Warehouse (mission-critical funding for mortgage bankers), Private Banking (bespoke personal banking), and Treasury Management (online banking, fraud protection, liquidity management). Additional integrated payment modules include Zelle for P2P and business payments, Real Time Payments (RTP) and FedNow for instant transfers, ACH and wire services, IOLTA for attorney trust accounts, and commercial card programs via Elan Financial Services. The bank positions itself as combining big-bank sophistication with boutique-level personalized service.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Banking High-touch commercial banking services providing revolving lines of credit, owner-occupied real estate loans, traditional term loans, and acquisition term loans for middle-market businesses in the North Texas market.
• Commercial Real Estate Lending Real estate financing solutions including term financing, short-term bridge loans, and construction and development financing for commercial properties across the Dallas-Fort Worth market (retail, multi-family, industrial, office, residential construction).
• Middle Market Banking Banking services for larger businesses including private equity and family office solutions, acquisition financing, and syndicated credit services for complex multi-bank lending arrangements.
• Mortgage Warehouse Lending Funding services for independent mortgage bankers including competitive product offerings (jumbo, non-QM), same-day funding and wire transfers, 24/7 real-time reporting, and comprehensive treasury services.
• Private Banking Personalized banking for professionals and high-net-worth individuals offering tailored deposit solutions, innovative banking technology, bespoke financing (personal loans, HELOCs, vacation properties), and white-glove concierge service.
• Treasury Management Cash flow optimization and risk mitigation services including online banking platform, custom reporting, disbursement services, receivables solutions, dedicated implementation support, liquidity management, and fraud protection.
• Zelle Payments Person-to-person and small business payment service integrated into mobile and online banking, allowing sending and receiving money directly between bank accounts at no additional cost.
• Real Time Payments (RTP) 24/7 real-time payment capabilities via The Clearing House RTP network, enabling immediate fund availability, payment certainty, and rich messaging functionality for commercial clients.
• Commercial Card Programs Commercial card solutions for payables (Visa cards through Elan Financial Services) and receivables (merchant services) with enhanced cash flow management, expense tracking, purchasing power, and fraud monitoring.
• IOLTA (Interest on Lawyers Trust Accounts) Interest On Lawyers Trust Accounts for attorneys, providing 3.75% APY (as of 10/01/2024) with interest paid to Texas Equal Access to Justice Foundation to support legal aid for low-income clients.

Quantifiable outcome

• 20-day loan closing capability for commercial real estate development
• +4 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Five partnerships are on record, tiered minor.

• Texas Equal Access to Justice FoundationminorOthersDallas Capital Bank participates as a Prime Partner in the Texas Access to Justice Foundation's IOLTA program, paying 3.75% APY on Interest on Lawyers Trust Accounts with interest remitted to support legal aid for low-income clients.
• SM Wright FoundationminorOthersDallas Capital Bank team members volunteer at SM Wright Foundation's Christmas in the Park and Thanksgiving events providing meals, groceries, and clothing to low-income and homeless families in South Dallas.
• Minnie's Food PantryminorOthersDallas Capital Bank supports Minnie's Food Pantry through volunteering, financial donations, and a $10,000 donation as part of their 10th anniversary 10 for 10 campaign.
• Capital Impact Partners - Equitable Development InitiativeminorOthersDallas Capital Bank bankers provide feedback on pitches from emerging developers to better prepare them to seek capital and lending partners.
• Naomi's VillageminorOthersDallas Capital Bank President Jason Matthews and family visited Naomi's Village near Nairobi, Kenya - a children's home, preschool, and K-12 academy serving nearly 100 Kenyan children. The bank supports the organization through client relationships.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Regional players

• Bank OZK: Bank OZK is a regional commercial bank with a national CRE lending franchise led from Little Rock. It overlaps with DCB on commercial real estate, construction, and middle-market lending, though it operates in different geographies (Ozark/Southeast U.S.).

Direct peers

• Prosperity Bancshares (Prosperity Bank): Prosperity Bank is a Texas-focused community and commercial bank with significant SME and middle-market lending. Comparable to DCB on Texas deposit franchise, commercial lending, and treasury services, though larger and more branch-heavy.
• Texas Capital Bank: Texas Capital Bank is a Dallas-headquartered commercial bank focused on middle-market and business banking across Texas. It is the closest direct peer to Dallas Capital Bank, sharing the same DFW footprint, middle-market and CRE lending orientation, and many common alumni in leadership.
• MidFirst Bank: MidFirst Bank is the largest privately owned U.S. bank (>$42B assets) and the announced acquirer of Dallas Capital Bank. It is highly comparable on the commercial banking, private banking, and mortgage servicing model, while operating at a far larger scale across seven states.
• Veritex Holdings (Veritex Community Bank): Veritex is a Dallas-headquartered community commercial bank focused on business banking, commercial real estate, and treasury management. Closely comparable to DCB on size (~$10–15B assets), DFW focus, and CRE/SME lending mix.
• Independent Financial (Independent Bank Group): Independent Bank Group is a Texas-rooted community/commercial bank serving SMEs, middle-market, and CRE clients. It mirrors DCB's commercial banking and CRE focus, though with broader geographic reach across Texas and the Southwest.

Broad incumbents

• Frost Bank (Cullen/Frost Bankers): Frost Bank is a major Texas-based commercial and consumer bank with strong presence in DFW. It overlaps with DCB on commercial banking, treasury management, and private banking for high-net-worth clients, but operates a much larger branch network.
• Cadence Bank: Cadence Bank is a regional commercial bank with a strong Texas presence and a CRE/middle-market orientation. Its commercial banking, treasury, and private banking offerings overlap with DCB's full product set, but at significantly greater scale.
• PlainsCapital Bank (Hilltop Holdings): PlainsCapital Bank is a Dallas-based commercial bank within Hilltop Holdings, serving middle-market and CRE clients across Texas. Comparable to DCB on DFW middle-market and CRE lending, while also offering consumer and wealth services.
• Comerica Bank: Comerica is a large regional commercial bank with a long-standing Dallas middle-market and CRE franchise. It competes for the same middle-market and CRE borrowers as DCB but at meaningfully greater scale and geographic breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dallas Capital Bank