Invest: DFW Banking Leaders Roundtable

Banking leaders discuss the industry landscape, regulation, and serving the community.

Dallas Capital Bank’s President and Chief Banking Officer, Jason Matthews, joined Capital Analytics Associates’ Invest: DFW’s roundtable of DFW banking leaders for a discussion published in their third edition.

How is the bank’s focus on commercial real estate and middle market sectors evolving?

We’ve recently added a new Middle Market group, in addition to our Commercial Banking, Private Banking, and Commercial Real Estate groups. We felt this was an important expansion, as this group will bank all private equity and family office owned companies, as well as all syndicated or multi-bank relationships.  They will also have a specific focus on those larger, owner managed businesses across all industries, including manufacturing, distribution or service companies, that can often require more complex credit structures and/or more involved deposit and treasury management solutions.

The addition of this new group is a natural next step in Dallas Capital Bank’s growth and will allow us to improve in our ability to bank Dallas’ best businesses.

With further interest rate cuts expected, what opportunities do you see for your clients in the coming years?

The biggest opportunity is obviously further relief from higher borrowing costs. When commercial borrowing rates drop from 8.5% to around 6% or lower, there is a significant, positive impact in the client’s ability to service their debt. That relief boosts confidence, allowing clients to invest in new projects and hire more staff. It’s beneficial for the broader economy, as well as our clients’ operating environments, which in turn increases demand for our services. If we avoid a recession, 2025 and 2026 could be strong years for our clients, Dallas Capital Bank, and the banking industry overall.

How is the bank evolving its focus on serving its clients in various segments?

We invest heavily in people — our bankers — and in top-tier deposit and treasury management technology. Rather than trying to outspend the big banks on branch locations, we focus on best-in-class bankers, competitive products, and exceptional client service.

Many of our clients are non-borrowing, relying on us for deposits and treasury management. We’ve made significant investments in these areas over the past couple of years, and they’re a central part of our strategy moving forward.

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