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Bank of Desoto, National Association

Desoto, TX · Cert 26542 · D Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Desoto, National Association

Desoto, TX · Cert 26542 · D Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$264.6MAssets
$152.4MLoans
$237.3MDeposits
$26.7MEquity
Loan mix
71%RE $108.8M8%C&I $12.5M20%Consumer $30.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $168.8M29%Noninterest $68.5MQ2 2025Q2 2026

NIM

7.73%Q2 ’246.96%Q2 ’256.62%Q2 ’26-13%-1%

Non-interest income vs. expense

3.83%Q2 ’242.96%Q2 ’253.15%Q2 ’26-24%+9%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #100 of 166 inst. · $0.2B of $732.8B

Executive Summary

  • Earnings: ROA of 1.27%, down 14 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.98% of loans (+30 bps YoY), with net charge-offs at 0.35%.
  • Capital: tier 1 leverage ratio of 10.06%, up 25 bps from a year ago.
  • Funding: loans stand at 64.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-6 bps YoY

Efficiency Ratio (YTD, annualized)

64.90%+539 bps YoY

Tier 1 Leverage Ratio

10.06%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.40%1.34%1.18%1.27%-14 bps
Return on Equity14.36%14.13%13.51%11.66%12.59%-177 bps
Net Interest Margin4.72%4.73%4.84%4.68%4.66%-6 bps
Efficiency Ratio59.51%58.83%61.39%65.00%64.90%+539 bps
Non-Interest Burden2.71%2.68%2.87%2.97%2.96%+25 bps
Growth
Asset Growth (YoY)18.91%4.04%0.85%-2.00%-2.72%-2,163 bps
Loan Growth (YoY)-1.63%-1.87%-6.93%-7.38%-4.31%-268 bps
Deposit Growth (YoY)20.74%3.98%0.78%-2.27%-3.12%-2,386 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.64%0.74%0.89%0.98%+30 bps
Net Charge-Offs / Loans0.49%0.34%0.36%0.46%0.35%-14 bps
Allowance / Loans0.96%1.14%1.06%1.05%0.98%+3 bps
Allowance Coverage of NPLs1.4x1.8x1.4x1.2x1.0x-0.4x
Capital
Tier 1 Leverage Ratio9.81%9.88%10.20%10.24%10.06%+25 bps
Total Risk-Based Capital9.81%9.88%10.20%10.24%10.06%+25 bps
Equity / Assets9.70%10.18%10.04%10.17%10.10%+40 bps
Liquidity & Funding
Loans / Deposits65.01%67.41%65.03%64.88%64.22%-80 bps
Liquid Assets / Assets38.19%30.41%38.46%38.60%39.51%+133 bps
CRE / Total Capitaln/a154.33%149.66%146.38%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Desoto, National Association

Desoto, TX · Cert 26542 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · D Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$264.6MAssets
$152.4MLoans
$237.3MDeposits
$26.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 28).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 25 of 28).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.27%

Rank 10 of 28

Net Interest Margin

4.66%

Rank 4 of 28

Efficiency Ratio

64.90%

Rank 20 of 28

Equity / Assets

10.10%

Rank 19 of 28

Non-interest income vs. expense

$0.5M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 32% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 64.90%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%1.12%1.22%1.47%Beats 64%10 / 28
Return on Equity12.57%8.64%12.47%13.41%Beats 57%12 / 28
Net Interest Margin4.66%3.77%4.06%4.51%Beats 86%4 / 28
Efficiency Ratio64.90%57.39%61.94%66.78%Beats 32%20 / 28
Asset Quality
Nonperforming Loans / Loans0.98%n/a0.28%1.06%Beats 29%21 / 28
Net Charge-Offs / Loans0.20%0.00%0.01%0.20%Beats 25%22 / 28
Capital
Tier 1 Capital Ratio10.06%12.55%13.77%17.51%Beats 11%25 / 28
Total Risk-Based Capital Ratio10.06%12.59%14.62%18.18%Beats 11%25 / 28
Equity / Assets10.10%9.58%11.17%13.58%Beats 32%19 / 28
Liquidity & Funding
Loans / Deposits64.22%66.90%84.79%89.14%21st pctl22 / 28
Loans / Assets57.58%57.58%73.59%77.32%25th pctl21 / 28
Brokered Deposits / Depositsn/aNot reported for this institution