PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

2.41%Q2 ’243.32%Q2 ’253.98%Q2 ’26+62%+33%

Non-interest income vs. expense

13.12%Q2 ’2416.51%Q2 ’2513.46%Q2 ’26-48%+26%

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

Executive Summary

  • Earnings: ROA of 3.08%, up 41 bps year over year; NIM at 3.52%.
  • 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 (quarter, annualized)

3.08%+41 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+87 bps YoY

Efficiency Ratio (quarter, annualized)

76.41%-605 bps YoY

Tier 1 Leverage Ratio

84.50%-148 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.67%2.33%2.53%2.61%3.08%+41 bps
Return on Equity3.10%2.75%3.06%3.14%3.65%+55 bps
Net Interest Margin2.66%2.30%2.71%2.88%3.52%+87 bps
Efficiency Ratio82.46%83.16%81.43%77.59%76.41%-605 bps
Non-Interest Burden-0.85%-0.64%-0.81%-0.63%-0.63%+22 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