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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