DSRM National Bank
Albuquerque, NM · Cert 34331 · Peer group: banks under $1B in assets (n=582-617)
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 617).
- Widest gap: return on equity trails 84% of banks under $1B in assets (rank 516 of 617).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
2.85%
Rank 41 of 617
Net Interest Margin
3.21%
Rank 423 of 617
Efficiency Ratio
76.96%
Rank 437 of 617
Equity / Assets
84.68%
Rank 24 of 617
Non-interest income vs. expense
Favorable gap of $28K · efficiency ratio beats 29% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.85% | 0.60% | 1.01% | 1.45% | Beats 93% | 41 / 617 | | |
| Return on Equity | 3.37% | 5.30% | 9.43% | 13.30% | Beats 16% | 516 / 617 | | |
| Net Interest Margin | 3.21% | 3.04% | 3.54% | 4.05% | Beats 31% | 423 / 617 | | |
| Efficiency Ratio | 76.96% | 58.03% | 67.76% | 79.08% | Beats 29% | 437 / 617 | | |
| 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% | 11.18% | 13.83% | 18.55% | Beats 96% | 27 / 617 | | |
| Total Risk-Based Capital Ratio | 128.73% | 11.56% | 14.39% | 19.39% | Beats 96% | 27 / 617 | | |
| Equity / Assets | 84.68% | 9.03% | 10.55% | 13.63% | Beats 96% | 24 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 64.77% | 79.70% | 93.06% | 0th pctl | 571 / 582 | | |
| Loans / Assets | 0.00% | 51.70% | 67.18% | 77.51% | 0th pctl | 571 / 617 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |