North Dallas Bank & Trust Co. Announces Second Quarter Earnings

Rhea-AI Summary

North Dallas Bank & Trust (OTC:NODB) reported net earnings of $2.72 million, or $1.06 per share, for the three months ended June 30, 2026, and $4.52 million, or $1.76 per share, for the six‑month period. These earnings were prepared internally and were not reviewed by independent accountants.

For the second quarter of 2026, interest income was $21.17 million and interest expense was $9.39 million, resulting in net interest income of $11.78 million, up from $10.33 million in 2025. Noninterest income rose to $1.91 million, while noninterest expenses increased to $10.28 million. Net income increased from $2.10 million and EPS from $0.82 a year earlier.

As of June 30, 2026, total assets were $1.81 billion, loans $1.26 billion, and deposits $1.56 billion, each modestly below June 30, 2025 levels. Stockholders’ equity increased to $187.8 million from $176.6 million. According to North Dallas Bank & Trust, past performance does not guarantee future results and forward‑looking implications may differ materially.

Positive

• Q2 2026 net income $2.72M vs. $2.10M in Q2 2025
• Q2 2026 EPS $1.06 vs. $0.82 in prior‑year quarter
• Net interest income Q2 2026 $11.78M vs. $10.33M in Q2 2025
• Interest expense Q2 2026 $9.39M vs. $10.51M in Q2 2025
• Six‑month 2026 net income $4.52M vs. $3.41M in 2025
• Stockholders’ equity $187.8M at June 30, 2026 vs. $176.6M in 2025

Negative

• Noninterest expenses Q2 2026 $10.28M vs. $9.31M in Q2 2025
• Total assets $1.81B at June 30, 2026 vs. $1.88B in 2025
• Deposits $1.56B at June 30, 2026 vs. $1.59B in 2025

AI-generated analysis. How Rhea-AI works. Not financial advice.

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DALLAS, July 24, 2026 (GLOBE NEWSWIRE) -- NDBT (North Dallas Bank & Trust Co.), an independent community bank established in 1961, today announced net earnings for three months of $2,716,912 or $1.06 per share, and net earnings for six months of $4,520,348 or $1.76 per share, for the periods ending June 30, 2026.

Earnings were prepared internally without review by the company’s independent accountants. Financial results are the results of past performance, events and market conditions, and are not a guarantee for future results. Any forward-looking implications derived from this information may differ materially from actual results.

Further information about the earnings and financial performance is available from Glenn Henry, Chief Financial Officer, by contacting NDBT.

ABOUT NDBT
Founded in 1961, NDBT (North Dallas Bank & Trust Co.) is an independent community bank with five banking centers located in Dallas, Addison, Frisco, Las Colinas, and Plano. Headquartered on the corner of Preston Road and LBJ at 12900 Preston Road in Dallas, NDBT is dedicated to helping people make smarter choices in business and life by offering authentic banking solutions, wealth management, and innovative online banking tools. NDBT is Member FDIC and an Equal Housing Lender. For more information, call 972.716.7100, or visit online at www.ndbt.com.

NORTH DALLAS BANK & TRUST CO.
12900 PRESTON ROAD
DALLAS, TEXAS
FINANCIAL HIGHLIGHTS	Three Months Ended						Six Months Ended
	June 30						June 30
Income Statement	2026			2025			2026			2025
Interest Income	21,170,293			20,840,077			41,823,476			40,818,257
Interest Expense	9,392,477			10,510,477			19,138,857			21,026,405
Net Interest Income	11,777,816			10,329,600			22,684,619			19,791,852
Provision for Credit Losses	(120,000	)		(106,000	)		(350,000	)		(106,000	)
Noninterest Income	1,912,369			1,608,863			3,682,208			3,139,913
Noninterest Expenses	(10,283,116	)		(9,309,398	)		(20,586,917	)		(18,776,002	)
Income Before Taxes & Extraordinary	3,287,069			2,523,065			5,429,910			4,049,763
Income Tax	(570,157	)		(420,122	)		(909,562	)		(639,104	)
Income Tax Prior Period	0			0			0			0
Net Income	2,716,912			2,102,943			4,520,348			3,410,659
Earnings per Share	1.06			0.82			1.76			1.33
							Six Month Average
	As of June 30						Ended June 30
Balance Sheet	2026			2025			2026			2025
Total Assets	1,809,979,890			1,875,281,283			1,860,493,731			1,880,590,870
Total Loans	1,258,677,802			1,273,740,979			1,292,429,049			1,256,020,992
Deposits	1,557,820,377			1,588,704,625			1,599,484,802			1,597,344,190
Stockholders' Equity	187,784,703			176,582,960			185,914,803			174,131,567
(Prepared internally without review by
our independent accountants)

Media Contact:
Brian C. Jensen
972-716-7124
brian.jensen@ndbt.com

FAQ

What were North Dallas Bank & Trust (NODB) earnings for Q2 2026?

North Dallas Bank & Trust reported Q2 2026 net earnings of $2,716,912, or $1.06 per share. According to the company, this compares with net income of $2,102,943 and earnings per share of $0.82 for the same quarter in 2025.

How did NODB perform for the first six months ended June 30, 2026?

For the six months ended June 30, 2026, North Dallas Bank & Trust earned $4,520,348, or $1.76 per share. According to the company, this is up from net income of $3,410,659 and earnings per share of $1.33 for the first half of 2025.

What were North Dallas Bank & Trust’s key revenue and expense figures in Q2 2026?

In Q2 2026, North Dallas Bank & Trust reported interest income of $21.17 million and interest expense of $9.39 million. According to the company, this produced net interest income of $11.78 million and noninterest income of $1.91 million for the quarter.

What was NODB’s balance sheet position as of June 30, 2026?

As of June 30, 2026, North Dallas Bank & Trust reported total assets of $1.81 billion and total loans of $1.26 billion. According to the company, deposits were $1.56 billion and stockholders’ equity was $187.8 million on that date.

Are North Dallas Bank & Trust’s (NODB) Q2 2026 earnings audited?

The Q2 2026 earnings of North Dallas Bank & Trust were prepared internally and not reviewed by independent accountants. According to the company, these financial results reflect past performance and market conditions and do not guarantee future outcomes or forward‑looking results.

How did NODB’s noninterest expenses change in Q2 2026 versus 2025?

North Dallas Bank & Trust reported noninterest expenses of $10,283,116 in Q2 2026, compared with $9,309,398 in Q2 2025. According to the company, noninterest expenses also rose for the six‑month period, reaching $20,586,917 versus $18,776,002 a year earlier.

Where can investors get more information on NODB’s 2026 earnings?

Investors can obtain more details on 2026 earnings by contacting Glenn Henry, Chief Financial Officer, at North Dallas Bank & Trust. According to the company, additional information on financial performance is available directly from NDBT through its published contact channels.