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
Unfavorable gap of $7.8M · efficiency ratio beats 32% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 1.12% | 1.22% | 1.47% | Beats 64% | 10 / 28 | | |
| Return on Equity | 12.57% | 8.64% | 12.47% | 13.41% | Beats 57% | 12 / 28 | | |
| Net Interest Margin | 4.66% | 3.77% | 4.06% | 4.51% | Beats 86% | 4 / 28 | | |
| Efficiency Ratio | 64.90% | 57.39% | 61.94% | 66.78% | Beats 32% | 20 / 28 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | n/a | 0.28% | 1.06% | Beats 29% | 21 / 28 | | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.01% | 0.20% | Beats 25% | 22 / 28 | | |
| Capital |
| Tier 1 Capital Ratio | 10.06% | 12.55% | 13.77% | 17.51% | Beats 11% | 25 / 28 | | |
| Total Risk-Based Capital Ratio | 10.06% | 12.59% | 14.62% | 18.18% | Beats 11% | 25 / 28 | | |
| Equity / Assets | 10.10% | 9.58% | 11.17% | 13.58% | Beats 32% | 19 / 28 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.22% | 66.90% | 84.79% | 89.14% | 21st pctl | 22 / 28 | | |
| Loans / Assets | 57.58% | 57.58% | 73.59% | 77.32% | 25th pctl | 21 / 28 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |