Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

Dallas Capital Bank Review

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


Founded in 1972, Dallas Capital Bank has $792 million in assets along with deposits totaling $472 million, ranking it as a medium-size bank. Dallas Capital Bank, whose headquarters are in Dallas, Texas, 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 ranked the bank at a 3.7 out of 5 stars, indicating that Dallas Capital Bank is an acceptable bank choice, but may leave you wanting more. Dallas Capital Bank provides customers with a variety of product offerings, including savings accounts, checking accounts, CDs, mortgage products and credit cards. Dallas Capital Bank has a fair savings rate compared to the average savings account. Locating a checking account with no monthly fee, in addition to a savings account with a high APY at the same institution is your best bet for returning the most income from your deposits alongside convenient access to your money.

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 compared to the national average. Its one-year CD earns at a rate of 1.60% and the five-year CD earns at a rate of 2.75%, while its highest-yielding money market account earns at a rate of 0.40%. Given Dallas Capital Bank's below average savings rate, you should think about other options to earn more on your deposits.

How Dallas Capital Bank's Savings Rates Compare

Dallas Capital Bank Savings 0.10 National Average 0.26 Compare Offers
Back to Overview


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
Back to Overview

Service Quality

SmartAsset Average: 3.7

Dallas Capital Bank is a brick-and-mortar bank, with one total branches in Texas. With mobile and web apps, Dallas Capital Bank makes mobile banking convenient, even on the go. You can access Dallas Capital Bank's mobile app to control your bank accounts by reviewing account balances, sending and receiving money and accessing customer service. Dallas Capital Bank receives an outstanding consumer satisfaction score based on relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government 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
Back to Overview

Financial Health

SmartAsset Average: 4.8

Dallas Capital Bank is a medium-size bank and owns assets totaling $792 million as well as $472 million in deposits. Dallas Capital Bank's Texas Ratio is 0.48%, suggesting a low likelihood 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.

Back to Overview

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: 1.60% APY
  • 24 Month: 2.00% APY
  • 36 Month: 2.10% APY
  • 48 Month: 2.50% APY
  • 60 Month: 2.75% APY
$250 for all terms
Money Market Account 0.35% APY $1000

Dallas Capital Bank has several deposit products like savings accounts, checking accounts and CDs that provide you with many options to manage your money. Dallas Capital Bank does not have the best savings rate, which means you should think about 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 other U.S. banks.

Back to Overview

Find a Dallas Capital Bank Near Me

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

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure