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DSRM National Bank

Albuquerque, NM · Cert 34331

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 assets3

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 (n=585 to 620). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

30

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 2026-10-10

DSRM National Bank

Albuquerque, NM · Cert 34331

National charter · OCC · 1 branch

Q2 2026

$4.4MAssets
$0KLoans
$500KDeposits
$3.7MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ2 2025Q2 2026

NIM

2.27%Q2 ’243.13%Q2 ’253.70%Q2 ’26+63%+28%

Non-interest income vs. expense

12.93%Q2 ’2415.04%Q2 ’2512.83%Q2 ’26-21%+17%

Market Position · Albuquerque, NM · 2026 SOD (annual) · 0.0% share · #26 of 26 inst. · $0.0B of $19.8B

Executive Summary

  • Earnings: ROA of 2.84%, up 41 bps year over year; NIM at 3.21%.
  • Capital: tier 1 leverage ratio of 84.50%, down 148 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.84%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+69 bps YoY

Efficiency Ratio (YTD, annualized)

76.96%-516 bps YoY

Tier 1 Leverage Ratio

84.50%-148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.43%2.39%2.43%2.61%2.84%+41 bps
Return on Equity2.83%2.81%2.87%3.14%3.40%+56 bps
Net Interest Margin2.51%2.39%2.44%2.88%3.21%+69 bps
Efficiency Ratio82.12%82.47%82.19%77.59%76.96%-516 bps
Non-Interest Burden-0.76%-0.71%-0.72%-0.63%-0.63%+13 bps
Growth
Asset Growth (YoY)1.40%5.72%6.75%5.56%5.19%+379 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio85.98%83.93%83.04%83.38%84.50%-148 bps
Total Risk-Based Capital159.48%134.34%150.49%126.48%128.73%-3,075 bps
Equity / Assets86.31%82.95%82.52%83.74%84.68%-163 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets96.64%93.68%93.99%93.70%94.25%-239 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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 2026-10-10

DSRM National Bank

Albuquerque, NM · Cert 34331 · Peer group: banks under $1B in assets (n=585-620)

National charter · OCC · 1 branch

Q2 2026

$4.4MAssets
$0KLoans
$500KDeposits
$3.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets (rank 27 of 620).
  • Widest gap: return on equity trails 84% of banks under $1B in assets (rank 518 of 620).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

2.85%

Rank 41 of 620

Net Interest Margin

3.21%

Rank 417 of 620

Efficiency Ratio

76.96%

Rank 437 of 620

Equity / Assets

84.68%

Rank 24 of 620

Non-interest income vs. expense

$596K$568KINCOMEEXPENSE
Favorable gap of $28K · efficiency ratio beats 30% of banks under $1B in assets
Bank 76.96%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.85%0.60%1.00%1.45%Beats 93%41 / 620
Return on Equity3.37%5.30%9.30%13.29%Beats 16%518 / 620
Net Interest Margin3.21%3.02%3.53%4.04%Beats 33%417 / 620
Efficiency Ratio76.96%58.35%68.08%79.37%Beats 30%437 / 620
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio128.73%11.27%13.87%18.78%Beats 96%27 / 620
Total Risk-Based Capital Ratio128.73%11.69%14.57%19.67%Beats 96%27 / 620
Equity / Assets84.68%9.03%10.60%13.73%Beats 96%24 / 620
Liquidity & Funding
Loans / Deposits0.00%65.08%79.69%92.47%0th pctl574 / 585
Loans / Assets0.00%51.85%67.17%77.86%0th pctl574 / 620
Brokered Deposits / Depositsn/aNot reported for this institution