North Dallas Bank & Trust Co. Announces Third Quarter Earnings
Quarterly and nine-month earnings rose, while period-end assets, loans and deposits declined from their September 2025 levels.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Rhea-AI Summary
North Dallas Bank & Trust (NODB) reported third-quarter net earnings of $2,599,934, up from the same quarter in 2025. Earnings per share rose to $1.01 from $0.84. For the nine months ended September 30, 2026, net income reached $7,120,282 versus $5,563,832, with earnings per share of $2.77 versus $2.17.
Quarterly net interest income increased to $12,045,906 from $11,167,630 as interest expense declined, despite lower interest income. Noninterest income increased, while noninterest expenses also rose. At September 30, 2026, assets totaled $1,816,454,626, loans $1,249,439,665 and deposits $1,579,126,078, all below their September 30, 2025 levels. Stockholders' equity increased to $190,103,690 from $179,838,525. The results were prepared internally without review by independent accountants.
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Positive
- Moderate pointThird-quarter net income increased to $2,599,934 from $2,153,174; EPS rose to $1.01 from $0.84.
- Moderate pointThird-quarter net interest income rose to $12,045,906 from $11,167,630 in 2025.
- Moderate pointThird-quarter noninterest income increased to $1,887,639 from $1,415,333 in 2025.
- Moderate pointSeptember 30 stockholders' equity increased to $190,103,690 from $179,838,525 in 2025.
- Minor pointNine-month net income increased to $7,120,282 from $5,563,832; EPS rose to $2.77 from $2.17.
12 minor points
- Minor pointNine-month net interest income rose to $34,730,525 from $30,959,482 in 2025.
- Minor pointThird-quarter interest expense declined to $9,163,713 from $10,511,837 in 2025.
- Minor pointNine-month interest expense declined to $28,302,570 from $31,538,242 in 2025.
- Minor pointNine-month interest income increased to $63,033,095 from $62,497,724 in 2025.
- Minor pointNine-month noninterest income increased to $5,569,847 from $4,555,246 in 2025.
- Minor pointThird-quarter credit-loss provision declined to $80,000 from $334,000 in 2025.
- Minor pointNine-month credit-loss provision declined to $430,000 from $440,000 in 2025.
- Minor pointThird-quarter pretax income increased to $3,137,398 from $2,577,688 in 2025.
- Minor pointNine-month pretax income increased to $8,567,308 from $6,627,450 in 2025.
- Minor pointNine-month average equity increased to $187,170,786 from $175,639,405 in 2025.
- Minor pointNine-month average loans increased to $1,274,799,417 from $1,261,606,605 in 2025.
- Minor pointNine-month average deposits increased to $1,595,851,677 from $1,595,084,591 in 2025.
Negative
- Moderate pointSeptember 30 total assets declined to $1,816,454,626 from $1,866,276,212 in 2025.
- Moderate pointSeptember 30 loans declined to $1,249,439,665 from $1,281,642,359 in 2025.
- Moderate pointThird-quarter noninterest expenses increased to $10,716,147 from $9,671,275 in 2025.
- Minor pointSeptember 30 deposits declined to $1,579,126,078 from $1,586,843,853 in 2025.
- Minor pointNine-month noninterest expenses increased to $31,303,064 from $28,447,278 in 2025.
4 minor points
- Minor pointThird-quarter interest income declined to $21,209,619 from $21,679,467 in 2025.
- Minor pointNine-month average assets declined to $1,850,681,100 from $1,879,073,770 in 2025.
- Minor pointThird-quarter income tax expense increased to $537,464 from $424,514 in 2025.
- Minor pointNine-month income tax expense increased to $1,447,026 from $1,063,618 in 2025.
AI-generated analysis. How Rhea-AI works. Not financial advice.
DALLAS, Oct. 23, 2026 (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 and Trust Co.) is an independent community bank with six banking centers located in Dallas, Addison, Frisco (2), 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 customized personal and business 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 | 2026 | 2025 | 2026 | 2025 | |||||||||
| Interest Income | 21,209,619 | 21,679,467 | 63,033,095 | 62,497,724 | |||||||||
| Interest Expense | 9,163,713 | 10,511,837 | 28,302,570 | 31,538,242 | |||||||||
| Net Interest Income | 12,045,906 | 11,167,630 | 34,730,525 | 30,959,482 | |||||||||
| Provision for Credit Losses | (80,000 | ) | (334,000 | ) | (430,000 | ) | (440,000 | ) | |||||
| Noninterest Income | 1,887,639 | 1,415,333 | 5,569,847 | 4,555,246 | |||||||||
| Noninterest Expenses | (10,716,147 | ) | (9,671,275 | ) | (31,303,064 | ) | (28,447,278 | ) | |||||
| Income Before Taxes & Extraordinary | 3,137,398 | 2,577,688 | 8,567,308 | 6,627,450 | |||||||||
| Income Tax | (537,464 | ) | (424,514 | ) | (1,447,026 | ) | (1,063,618 | ) | |||||
| Extraordinary | 0 | 0 | 0 | 0 | |||||||||
| Net Income | 2,599,934 | 2,153,174 | 7,120,282 | 5,563,832 | |||||||||
| Earnings per Share | 1.01 | 0.84 | 2.77 | 2.17 | |||||||||
| Nine Month Average | |||||||||||||
| As of September 30 | Ended September 30 | ||||||||||||
| Balance Sheet | 2026 | 2025 | 2026 | 2025 | |||||||||
| Total Assets | 1,816,454,626 | 1,866,276,212 | 1,850,681,100 | 1,879,073,770 | |||||||||
| Total Loans | 1,249,439,665 | 1,281,642,359 | 1,274,799,417 | 1,261,606,605 | |||||||||
| Deposits | 1,579,126,078 | 1,586,843,853 | 1,595,851,677 | 1,595,084,591 | |||||||||
| Stockholders' Equity | 190,103,690 | 179,838,525 | 187,170,786 | 175,639,405 | |||||||||
| (Prepared internally without review by | |||||||||||||
| our independent accountants) | |||||||||||||
Media Contact:
Brian C. Jensen
972-716-7124
brian.jensen@ndbt.com
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What were North Dallas Bank & Trust's third-quarter 2026 earnings?
North Dallas Bank & Trust earned $2,599,934, or $1.01 per share, for the three months ended September 30, 2026. That compares with $2,153,174, or $0.84 per share, for the same period in 2025.
What were NODB's earnings for the first nine months of 2026?
NODB reported net income of $7,120,282, or $2.77 per share, for the nine months ended September 30, 2026. In the corresponding 2025 period, net income was $5,563,832, or $2.17 per share.