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Dallas Capital Bank Review

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Dallas Capital Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Dallas Capital Bank started in 1972 with its headquarters in Dallas, Texas. It owns assets of $792 million as well as deposits totaling $472 million, ranking it as a medium-size bank. Dallas Capital Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. We gave the bank a 3.7 stars out of 5, indicating that Dallas Capital Bank is an average bank that leaves room for improvement. Dallas Capital Bank offers a variety of product offerings, which include savings accounts, checking accounts, CDs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. Finding a checking account with no monthly fee and a savings account with a high APY at the same bank is the best option for gaining the most income on your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.10%, Dallas Capital Bank ranks poorly in comparison to the national average. Its one-year and five-year term lengths CDs earn at a rate of 2.20% and 2.80%, respectively, while its highest-yielding money market account earns at an APY of 0.75%. Given Dallas Capital Bank's poor savings rate, you should think about taking a look at other banks for savings accounts.

How Dallas Capital Bank's Savings Rates Compare

Dallas Capital Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

There is insufficient data on Dallas Capital Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Dallas Capital Bank is a brick-and-mortar bank, with one total bank locations in Texas. With mobile and web apps, Dallas Capital Bank makes account access straightforward, even on the go. Dallas Capital Bank's mobile app allows you to control your bank accounts by monitoring account balances, sending and receiving money as well as reaching customer service. Dallas Capital Bank gets a superb consumer satisfaction rating based on comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Dallas Capital Bank is currently a medium-size bank with $792 million in assets and $472 million in deposits. Its Texas Ratio is 0.48%, indicating a low possibility of failure. Additionally, Dallas Capital Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Dallas Capital Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 2.20% APY
  • 24 Month: 2.30% APY
  • 36 Month: 2.40% APY
  • 48 Month: 2.60% APY
  • 60 Month: 2.80% APY
$250 for all terms
Money Market Account 0.5% APY $1000

Dallas Capital Bank has several deposit products including savings accounts, checking accounts and CDs to give you many options to manage your money. Dallas Capital Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Dallas Capital Bank's CD rates are fair in comparison to the national average.

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Find a Dallas Capital Bank Near Me

Dallas Capital Bank has one branches across the U.S.

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