North Dallas Bank & Trust Co.
- Company typePrivate
- Founded1961
- HeadquartersDallas, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
North Dallas Bank & Trust Co. firmographics
Firmographics- 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
North Dallas Bank & Trust Co. industry classification
Industry- 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
Where North Dallas Bank & Trust Co. is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
North Dallas Bank & Trust Co. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- 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.
- Deposit Account Fees: Monthly service charges on checking and savings accounts, with various fee structures based on account type and balance requirements.
- Mortgage Lending: Revenue from mortgage originations including conventional, affordable (HomeStart program), medical professional mortgages, and home equity products.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking - Basic account with $5 monthly service charge |
| Subscription | Monthly | Interest Checking - Earn interest on deposits with $10 monthly fee |
| Subscription | Monthly | Celebration Club - Premium account for customers 60+ with $12 monthly fee |
| Subscription | Monthly | Premier Checking - High-value account with $25,000 balance requirement |
| Subscription | Monthly | Personal Savings - Basic savings with $5 monthly fee |
| Subscription | Monthly | Select Savings - Tiered-rate savings account with $15 monthly fee |
| Unit Pricing | Pay-as-you-go | HomeStart Program - Affordable homeownership with 4.9% promotional rate |
| Usage-based | Monthly | Small Business Line of Credit - $10,000 to $50,000 revolving credit |
| Unit Pricing | Monthly | Small Business Term Loan - $5,000 to $100,000 equipment/property financing |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
North Dallas Bank & Trust Co. product offering
Product offeringCore 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
Companies that use North Dallas Bank & Trust Co.
Customer profileNamed customers4 records
Segments5 records
North Dallas Bank & Trust Co. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature4 records
North Dallas Bank & Trust Co. partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- IntraFi NetworkcorePartnership 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 ServicescoreElan 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 NetworkcoreAllpoint 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.
- KnowBe4minorKnowBe4 provides cybersecurity awareness training content and resources that NDBT shares with customers through its cybersecurity education program and blog posts.
- Texas Bankers Association (TBA)coreTBA 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)coreABA provides cybersecurity awareness resources and best practices that NDBT utilizes for customer education and fraud prevention awareness.
- U.S. Cybersecurity & Infrastructure Security Agency (CISA)minorCISA provides cybersecurity best practices and resources that NDBT shares with customers to help individuals and organizations implement preventative measures.
- TexStone PartnersminorTexStone 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
North Dallas Bank & Trust Co. competitors and assessment
Company assessmentEmerging 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
North Dallas Bank & Trust Co. social profiles
Digital presenceNorth Dallas Bank & Trust Co. compliance and trust
Trust signalCompliance2 records
North Dallas Bank & Trust Co. financial estimates
Financial estimateRevenue estimate
Valuation estimate
North Dallas Bank & Trust Co. leadership team
Management profileNumber of profiles
North Dallas Bank & Trust Co. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
North Dallas Bank & Trust Co. M&A and investment
M&A and investmentM&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.
What does North Dallas Bank & Trust Co. do?
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.
Is North Dallas Bank & Trust Co. a public or private company?
North Dallas Bank & Trust Co. is a private company. It is currently operating.
When was North Dallas Bank & Trust Co. founded?
North Dallas Bank & Trust Co. was founded in 1961. It employs 101 to 250 people.
Where is North Dallas Bank & Trust Co. based?
North Dallas Bank & Trust Co. is headquartered in Dallas, United States, in the North America region.
How does North Dallas Bank & Trust Co. make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Account Fees, mortgage Lending, trust and Wealth Management and treasury Management Services.
Who are North Dallas Bank & Trust Co.'s main competitors?
Sandy Spring Bancorp is listed as an emerging player. Broad incumbents are Cullen/Frost Bankers, Comerica, Cadence Bank and Texas Capital Bancshares. Direct peers are Southside Bancshares, Prosperity Bancshares, Independent Bank Group, First Financial Bankshares and Veritex Holdings.
Does North Dallas Bank & Trust Co. have an API?
No public API is recorded for North Dallas Bank & Trust Co..
What industry is North Dallas Bank & Trust Co. in?
Its primary akta.pro industry code is FSABAAAC, Credit Cards & Revolving Credit, with a secondary code of FSAAANAB, Corporate & Institutional Trust Services. Its NAICS code is 52211 and its SIC code is 6022.