North Dallas Bank & Trust Co.

Name

North Dallas Bank & Trust Co.

Legal name

North Dallas Bank & Trust Co.

Website

https://ndbt.com

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

akta.pro secondary industries

Corporate & Institutional Trust Services (FSAAANAB), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking
• Personal banking services
• Commercial lending
• Treasury management
• Wealth management

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Primary revenue stream from interest earned on loans (commercial, mortgage, consumer) minus interest paid on deposits. Q1 2026 net interest income was $10.9 million compared to $9.5 million in Q1 2025.
2. Deposit Account Fees: Monthly service charges on checking and savings accounts, with various fee structures based on account type and balance requirements.
3. Mortgage Lending: Revenue from mortgage originations including conventional, affordable (HomeStart program), medical professional mortgages, and home equity products.
4. Trust and Wealth Management: Investment management, fiduciary services, estate planning, and retirement services generating fee-based revenue from high-net-worth individual and family clients.
5. Treasury Management Services: ACH services, wire transfers, lockbox services, merchant services, and fraud mitigation tools (ACH blocks/filters, Positive Pay) for commercial clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

North Dallas Bank & Trust Co. is an independent community bank offering personal banking (checking, savings, CDs, IRAs, mortgages, consumer loans, credit cards), business banking (checking, savings, treasury management, merchant services, credit cards), commercial lending (small business financing, owner-occupied CRE loans, medical journey financing), and trust and wealth management services (investment management, estate planning, fiduciary administration) across five North Texas banking centers and digital channels.

Product overview

NDBT operates as a diversified independent community banking organization offering a unified platform of personal, business, and wealth management products and services. The core banking infrastructure includes personal checking accounts (Personal Checking, Interest Checking, Celebration Club, Premier Checking, 180 Banking), personal savings products (Personal Savings, Select Savings, Money Market, HSA), and Certificate of Deposit/IRA products with CD Ladder strategy tools. Consumer lending encompasses personal loans, credit cards through Elan Financial Services, and mortgage products including the HomeStart affordable housing program and Medical Professional Special Mortgage. Business banking includes Business Checking, Commercial Checking, Community Checking, Business Savings, Money Market, Business CDs, Treasury Management services (ACH, wire transfers, lockbox, remote deposit capture, merchant services), and Business Credit Cards. Commercial lending covers business lines of credit, equipment financing, healthcare/physician services, construction loans, commercial real estate loans with Owner-Occupied CRE options, and Small Business Financing programs. Trust and Wealth Management provides investment management, Wealth Builder accounts, retirement services, financial planning, and fiduciary/trust services. Digital banking capabilities span consumer and commercial online and mobile platforms. The company also operates NDBT Tower office leasing and Fields Legacy development.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 37 consecutive years of 5-star BauerFinancial ratings
• +4 more outcomes

Named customers4 records

Segments5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• IntraFi NetworkcoreTechnology or IntegrationPartnership with IntraFi Network enables NDBT to provide customers with access to FDIC insurance coverage beyond the standard $250,000 limit through network deposits, enhancing large deposit security.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services provides credit card processing, fraud liability protection, and 24/7 cardmember service for NDBT's consumer and business credit card programs issued under Visa and Mastercard licenses.
• Allpoint NetworkcoreTechnology or IntegrationAllpoint Network partnership provides NDBT customers with access to more than 55,000 surcharge-free ATMs nationwide, significantly expanding banking convenience beyond the bank's 5 physical locations.
• KnowBe4minorGTM or Marketing PartnerKnowBe4 provides cybersecurity awareness training content and resources that NDBT shares with customers through its cybersecurity education program and blog posts.
• Texas Bankers Association (TBA)coreGTM or Marketing PartnerTBA provides cybersecurity resources and best practices that NDBT shares with customers. NDBT also participates in TBA's #BanksNeverAskThat campaign for consumer education.
• American Bankers Association (ABA)coreGTM or Marketing PartnerABA provides cybersecurity awareness resources and best practices that NDBT utilizes for customer education and fraud prevention awareness.
• U.S. Cybersecurity & Infrastructure Security Agency (CISA)minorGTM or Marketing PartnerCISA provides cybersecurity best practices and resources that NDBT shares with customers to help individuals and organizations implement preventative measures.
• TexStone PartnersminorChannel Partner/ Reseller/ DistributorTexStone Partners serves as the exclusive leasing representative for Fields Legacy office building in Frisco, Texas, managed by Lee Koons, Max Roberts, and Tom Koons.

Scale indicators12 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• Sandy Spring Bancorp: Mid-Atlantic community bank holding company with comparable mix of personal, business, and wealth management banking. Similar size band and community-bank operating model, though geographically focused on the DC/Mid-Atlantic region rather than Texas.

Broad incumbents

• Cullen/Frost Bankers: San Antonio-based regional bank (CFR) with significant DFW presence. Comparable Texas-focused community/commercial banking and wealth management offering, but operates as a much larger super-regional with broader product suite and geographic reach.
• Comerica: Dallas-headquartered regional bank (CMA) with significant Texas, California, and Michigan operations. Comparable commercial banking, treasury management, and wealth management services, but at much larger scale and broader geographic footprint.
• Cadence Bank: Houston-headquartered regional bank with Texas, Southeast, and Midwest operations. Comparable in commercial lending, treasury management, and wealth management offerings to SMBs and HNW clients, but at larger scale and broader geographic reach.
• Texas Capital Bancshares: Dallas-headquartered commercial bank (TCBI) focused on business banking, treasury solutions, and wealth management. Comparable in DFW presence and commercial banking focus, but targets middle-market and corporate clients rather than community/SMBs.

Direct peers

• Southside Bancshares: Texas-based community bank holding company (SBSI) with branches across the state. Comparable in community banking model, mortgage and commercial lending focus, and customer segments, though concentrated more in East Texas with growing DFW presence.
• Prosperity Bancshares: Houston-headquartered community bank holding company (PB) with strong Texas footprint including DFW. Offers comparable deposit, lending, and treasury management products to consumers and businesses, with a similar relationship-based community banking approach but at much greater scale.
• Independent Bank Group: Texas-based community bank holding company (IBTX) operating branches across DFW, Austin, Houston, and other Texas markets. Directly comparable to NDBT in business model (community/commercial banking, mortgages, wealth management) and target market (Texas consumers and SMBs), but at significantly larger scale.
• First Financial Bankshares: Abilene-headquartered Texas bank holding company (FFIN) with statewide operations including DFW. Closely comparable in community banking philosophy, long-tenured management, and conservative underwriting, though at materially larger scale.
• Veritex Holdings: Dallas-headquartered community bank holding company (VBTX) operating throughout Texas. Closely comparable to NDBT in geographic focus (DFW-centric), business mix (commercial, real estate, SBA lending, treasury management), and target customer base (SMBs, professionals, HNW individuals).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/ndbttx
• YouTubeyoutube.com/channel/UCpr38lEztPwAKr3pDFBljjA
• Facebookfacebook.com/NDBTtx
• LinkedInlinkedin.com/company/north-dallas-bank
• Instagraminstagram.com/ndbttx

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 North Dallas Bank & Trust Co.