# DALLAS CAPITAL BANK NA
DALLAS, TX · FDIC certificate 20727 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.21B | |
| Deposits | $938.9M | |
| Loans and leases | $935.5M | |
| Total equity | $142.3M | |
| Loans / deposits | 98.96% (p83 of band) | 87.10% |
| Liquid assets / assets | 18.30% (p38 of band) | |
| Uninsured deposits / deposits | 55.72% (p94 of band) | 30.76% |
| Brokered deposits | 1.78% | |
| Wholesale funding | 11.77% (p71 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 11.35% (p67 of band) | 10.50% |
| Unrealized securities loss / equity | -7.11% (p53 of band) | -7.75% |
| AOCI / equity | 0.08% (p83 of band) | |
| ROA (annualized) | 0.89% (p23 of band) | 1.26% |
| Net interest margin | 3.17% (p21 of band) | 3.70% |
| Efficiency ratio | 65.56% (p70 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 59% | |
| Construction % of loans | 57.79% (p61 of band) | |
| Auto loans | $5,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $193.9M (136% of equity) (p99 of band) | |
| Deposits YoY | -5.9% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, securities losses >30% of equity, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 6 |  | securities losses >30% of equity |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 8 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 7 |  | charge-offs p90 |
| 2012-09 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2012-12 | 5 | deposits shrinking | assets shrinking |
| 2013-03 | 7 | losing money, expense ratio p90, loans-to-lenders >50% equity | deposits shrinking |
| 2013-06 | 7 | assets shrinking | losing money |
| 2013-09 | 8 | deposits shrinking |  |
| 2013-12 | 7 |  | deposits shrinking |
| 2014-03 | 9 | losing money, deposits shrinking |  |
| 2014-06 | 9 |  |  |
| 2014-09 | 8 | capital falling | assets shrinking, deposits shrinking |
| 2014-12 | 8 |  |  |
| 2015-03 | 4 |  | reserve under noncurrent, expense ratio p90, losing money, capital falling |
| 2015-06 | 5 | reserve under noncurrent |  |
| 2015-09 | 6 | assets shrinking |  |
| 2015-12 | 7 | expense ratio p90, deposits shrinking | assets shrinking |
| 2016-03 | 7 |  |  |
| 2016-06 | 5 |  | reserve under noncurrent, deposits shrinking |
| 2016-09 | 7 | loans exceed deposits, capital falling, deposits shrinking | expense ratio p90 |
| 2016-12 | 5 |  | loans exceed deposits, deposits shrinking |
| 2017-03 | 4 |  | capital falling |
| 2017-06 | 5 | deposits shrinking |  |
| 2017-09 | 5 | capital falling | deposits shrinking |
| 2017-12 | 7 | loans exceed deposits, expense ratio p90 |  |
| 2018-03 | 3 |  | NIM <2.5%, capital falling, loans exceed deposits, expense ratio p90 |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 3 |  | loans exceed deposits |
| 2018-12 | 5 | loans exceed deposits, uninsured deposits >50% |  |
| 2019-03 | 4 |  | loans exceed deposits |
| 2019-06 | 4 | loans exceed deposits | brokered >10% |
| 2019-09 | 7 | capital falling, run vulnerability, reserve under noncurrent |  |
| 2019-12 | 6 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2020-03 | 5 |  | charge-offs p90 |
| 2020-06 | 6 | NIM <2.5% |  |
| 2020-09 | 5 |  | NIM <2.5% |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 3 |  | loans exceed deposits, run vulnerability |
| 2021-09 | 2 |  | wholesale funding >15% |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | wholesale funding >15% |  |
| 2022-06 | 5 | loans exceed deposits, run vulnerability |  |
| 2022-09 | 2 |  | wholesale funding >15%, loans exceed deposits, run vulnerability |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2023-06 | 5 | brokered >10%, run vulnerability | loans exceed deposits |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 | uninsured deposits leaving | brokered >10%, run vulnerability |
| 2024-03 | 4 | loans exceed deposits | uninsured deposits >50% |
| 2024-06 | 3 | brokered >10% | uninsured deposits leaving, loans exceed deposits |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 3 | uninsured deposits >50% | wholesale funding >15%, brokered >10% |
| 2025-03 | 3 | brokered >10%, wholesale funding >15% | capital falling, uninsured deposits >50% |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 | capital falling | brokered >10%, wholesale funding >15% |
| 2025-12 | 2 | uninsured deposits >50% | capital falling |
| 2026-03 | 3 | deposits shrinking |  |
| 2026-06 | 4 | run vulnerability |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20727 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "20727", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide