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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

7.64%Q2 ’246.97%Q2 ’256.69%Q2 ’26-12%+0%

Non-interest income vs. expense

3.81%Q2 ’243.10%Q2 ’253.19%Q2 ’26-19%+4%

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 1.37%, up 16 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.98% of loans (+30 bps YoY), with net charge-offs at 0.24%.
  • 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 (quarter, annualized)

1.37%+16 bps YoY

Net Interest Margin (quarter, annualized)

4.73%+1 bps YoY

Efficiency Ratio (quarter, annualized)

64.80%+214 bps YoY

Tier 1 Leverage Ratio

10.06%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.36%1.16%1.18%1.37%+16 bps
Return on Equity12.40%13.73%11.45%11.66%13.55%+114 bps
Net Interest Margin4.73%4.83%4.64%4.68%4.73%+1 bps
Efficiency Ratio62.66%57.50%69.53%65.00%64.80%+214 bps
Non-Interest Burden2.88%2.67%3.16%2.97%3.00%+12 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 / Loans0.39%0.04%0.41%0.46%0.24%-15 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