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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=594 to 629). 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

29

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 2026-10-11

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 $0KQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%2.05%2.20%2.43%2.39%2.43%2.61%2.84%+41 bps
Return on Equity2.31%2.41%2.57%2.83%2.81%2.87%3.14%3.40%+56 bps
Net Interest Margin1.67%1.87%2.46%2.51%2.39%2.44%2.88%3.21%+69 bps
Efficiency Ratio84.92%84.40%81.71%82.12%82.47%82.19%77.59%76.96%-516 bps
Non-Interest Burden-0.67%-0.65%-0.69%-0.76%-0.71%-0.72%-0.63%-0.63%+13 bps
Growth
Asset Growth (YoY)1.66%1.56%1.45%1.40%5.72%6.75%5.56%5.19%+379 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio85.52%85.60%88.64%85.98%83.93%83.04%83.38%84.50%-148 bps
Total Risk-Based Capital85.52%153.32%173.27%159.48%134.34%150.49%126.48%128.73%-3,075 bps
Equity / Assets85.30%85.60%85.77%86.31%82.95%82.52%83.74%84.68%-163 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets95.82%96.84%96.40%96.64%93.68%93.99%93.70%94.25%-239 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

DSRM National Bank

Albuquerque, NM · Cert 34331 · Peer group: banks under $1B in assets (n=594-629)

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 28 of 629).
  • Widest gap: return on equity trails 84% of banks under $1B in assets (rank 526 of 629).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

2.85%

Rank 43 of 629

Net Interest Margin

3.21%

Rank 427 of 629

Efficiency Ratio

76.96%

Rank 446 of 629

Equity / Assets

84.68%

Rank 24 of 629

Non-interest income vs. expense

$596K$568KINCOMEEXPENSE
Favorable gap of $28K · efficiency ratio beats 29% of banks under $1B in assets
Bank 76.96%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.85%0.60%1.01%1.45%Beats 93%43 / 629
Return on Equity3.37%5.38%9.30%13.28%Beats 16%526 / 629
Net Interest Margin3.21%3.03%3.54%4.05%Beats 32%427 / 629
Efficiency Ratio76.96%58.35%67.79%79.08%Beats 29%446 / 629
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%11.24%13.84%18.77%Beats 96%28 / 629
Total Risk-Based Capital Ratio128.73%11.58%14.43%19.66%Beats 96%28 / 629
Equity / Assets84.68%9.09%10.65%13.80%Beats 96%24 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution