BANK OF DESOTO, NATIONAL ASSOCIATION

DESOTO, TX | Small | Est. Jan. 27, 1986, midnight | FDIC #26542 | RSSD #638355 | OCC
Latest Report: 2025-12-31

BANK OF DESOTO, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in DESOTO, TX, established in Jan. 27, 1986, midnight. As of 2025-12-31, the bank reported total assets of $266M and total deposits of $239M. Profitability stands at 1.47% ROA and 14.52% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 10.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 5.22%. FDIC Certificate #26542.

Assets

$266M

Deposits

$239M

Loans

$155M

Equity

$27M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 14.52%
Net Interest Margin (NIM) 5.00%
Yield on Assets 7.26%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.36%
Texas Ratio 5.22%
NPA Ratio 0.56%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 10.04%
Tier 1 Capital 10.04%
Total Capital Ratio 10.54%
Leverage Ratio 10.20%
Loan-to-Deposit 65.03%

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