North Dallas Bank & Trust Co. Announces Third Quarter Earnings

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

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 $2,153,174 or $0.84 per share, and net earnings for nine months of $5,563,832 or $2.17 per share, for the periods ending September 30, 2025.

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

What were North Dallas Bank & Trust Co (NODB) Q3 2025 earnings per share?

NODB reported Q3 2025 EPS of $0.84 for the quarter ended September 30, 2025.

How did NODB Q3 2025 net income compare to Q3 2024?

Q3 2025 net income was $2.153M versus $502,493 in Q3 2024, a large year-over-year increase.

What drove NODB's improved Q3 2025 profitability (NODB)?

Improved profitability was driven by higher net interest income and increased interest income in Q3 2025.

What are NODB's key balance-sheet figures as of September 30, 2025?

As of September 30, 2025, NODB reported total assets ~$1.87B, deposits ~$1.59B, and total loans ~$1.28B.

Did NODB's financials undergo independent accountant review for Q3 2025?

No — the earnings results were prepared internally without review by the company's independent accountants.

Where can investors get more information about NODB Q3 2025 results?

Investors can contact Glenn Henry, CFO or the media contact provided on the company's website and press release.