North Dallas Bank & Trust Co. Announces Third Quarter Earnings
North Dallas Bank & Trust Co (NODB) reported strong third-quarter 2025 results: Q3 net income $2,153,174 (Q3 2024: $502,493) and Q3 EPS $0.84 (Q3 2024: $0.20).
Sentiment and the balance of points
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Rhea-AI Summary
North Dallas Bank & Trust Co (NODB) reported strong third-quarter 2025 results: Q3 net income $2,153,174 (Q3 2024: $502,493) and Q3 EPS $0.84 (Q3 2024: $0.20). Nine-month net income $5,563,832 and nine-month EPS $2.17 through September 30, 2025.
Key drivers included net interest income $11.17M for Q3 and higher interest income of $21.68M. Total assets were about $1.87B and deposits totaled $1.59B as of September 30, 2025. Results were prepared internally without independent accountant review.
Positive
- Q3 net income +329% year-over-year
- Q3 EPS increased from $0.20 to $0.84
- Net interest income up ~35% year-over-year
- Interest income increased ~10% year-over-year
Negative
- Nine-month income tax expense rose from $258,414 to $1,063,618
- Earnings were prepared internally without independent review
Details
News Market Reaction – NODB
On Oct 24, the day this news came out, NODB closed 0.86% above the previous close.
Data tracked by StockTitan Argus for the Oct 24 session.
AI-generated analysis. How Rhea-AI works. Not financial advice.
DALLAS, Oct. 24, 2025 (GLOBE NEWSWIRE) -- NDBT (North Dallas Bank & Trust Co.), an independent community bank established in 1961, today announced net earnings for three months of
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 | Nine Months Ended | ||||||||||||
| September 30 | September 30 | |||||||||||||
| Income Statement | 2025 | 2024 | 2025 | 2024 | ||||||||||
| Interest Income | 21,679,467 | 19,690,721 | 62,497,724 | 57,809,406 | ||||||||||
| Interest Expense | 10,511,837 | 11,417,563 | 31,538,242 | 32,759,175 | ||||||||||
| Net Interest Income | 11,167,630 | 8,273,158 | 30,959,482 | 25,050,231 | ||||||||||
| Provision for Loan Losses | (334,000 | ) | 0 | (440,000 | ) | (440,000 | ) | |||||||
| Noninterest Income | 1,415,333 | 1,546,280 | 4,555,246 | 4,384,215 | ||||||||||
| Noninterest Expenses | (9,671,275 | ) | (9,302,724 | ) | (28,447,278 | ) | (26,524,077 | ) | ||||||
| Income Before Taxes & Extraordinary | 2,577,688 | 516,714 | 6,627,450 | 2,470,369 | ||||||||||
| Income Tax | (424,514 | ) | (14,221 | ) | (1,063,618 | ) | (258,414 | ) | ||||||
| Income Tax Prior Period | 0 | (25,000 | ) | 0 | (25,000 | ) | ||||||||
| Net Income | 2,153,174 | 502,493 | 5,563,832 | 2,186,955 | ||||||||||
| Earnings per Share | 0.84 | 0.20 | 2.17 | 0.85 | ||||||||||
| Nine Month Average | ||||||||||||||
| As of September 30 | Ended September 30 | |||||||||||||
| Balance Sheet | 2025 | 2024 | 2025 | 2024 | ||||||||||
| Total Assets | 1,866,276,212 | 1,867,355,555 | 1,879,073,770 | 1,819,265,389 | ||||||||||
| Total Loans | 1,281,642,359 | 1,211,656,001 | 1,261,606,605 | 1,206,729,021 | ||||||||||
| Deposits | 1,586,843,853 | 1,543,618,454 | 1,595,084,591 | 1,503,472,762 | ||||||||||
| Stockholders' Equity | 179,838,525 | 170,479,567 | 175,639,405 | 166,294,611 | ||||||||||
| (Prepared internally without review by | ||||||||||||||
| our independent accountants) | ||||||||||||||
Media Contact:
Brian C. Jensen
972-716-7124
brian.jensen@ndbt.com
FAQ
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