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
Favorable gap of $28K · efficiency ratio beats 30% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.85% | 0.60% | 1.00% | 1.45% | Beats 93% | 41 / 620 | |
| Return on Equity | 3.37% | 5.30% | 9.30% | 13.29% | Beats 16% | 518 / 620 | |
| Net Interest Margin | 3.21% | 3.02% | 3.53% | 4.04% | Beats 33% | 417 / 620 | |
| Efficiency Ratio | 76.96% | 58.35% | 68.08% | 79.37% | Beats 30% | 437 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 128.73% | 11.27% | 13.87% | 18.78% | Beats 96% | 27 / 620 | |
| Total Risk-Based Capital Ratio | 128.73% | 11.69% | 14.57% | 19.67% | Beats 96% | 27 / 620 | |
| Equity / Assets | 84.68% | 9.03% | 10.60% | 13.73% | Beats 96% | 24 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 65.08% | 79.69% | 92.47% | 0th pctl | 574 / 585 | |
| Loans / Assets | 0.00% | 51.85% | 67.17% | 77.86% | 0th pctl | 574 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |