Desjardins Bank, National Association
Hallandale, FL · Cert 33565 · Peer group: banks under $1B in assets (n=581-629) · Desjardins Group the
National charter · OCC · 2 branches
Q2 2026
$362.1MAssets
$270.4MLoans
$292.9MDeposits
$67.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on equity trails 70% of banks under $1B in assets (rank 440 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.21%
Rank 233 of 629
Net Interest Margin
4.41%
Rank 81 of 629
Efficiency Ratio
67.43%
Rank 311 of 629
Equity / Assets
18.62%
Rank 89 of 629
Non-interest income vs. expense
Unfavorable gap of $9.5M · efficiency ratio beats 51% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 233 / 629 | |
| Return on Equity | 6.51% | 5.38% | 9.30% | 13.28% | Beats 30% | 440 / 629 | |
| Net Interest Margin | 4.41% | 3.03% | 3.54% | 4.05% | Beats 87% | 81 / 629 | |
| Efficiency Ratio | 67.43% | 58.35% | 67.79% | 79.08% | Beats 51% | 311 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.46% | 1.20% | Beats 58% | 247 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 19.31% | 11.24% | 13.84% | 18.77% | Beats 76% | 149 / 629 | |
| Total Risk-Based Capital Ratio | 19.31% | 11.58% | 14.43% | 19.66% | Beats 74% | 161 / 629 | |
| Equity / Assets | 18.62% | 9.09% | 10.65% | 13.80% | Beats 86% | 89 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 92.32% | 67.24% | 80.90% | 93.48% | 73rd pctl | 159 / 594 | |
| Loans / Assets | 74.68% | 53.31% | 67.71% | 78.15% | 65th pctl | 219 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |