BANK OF DESOTO, NATIONAL ASSOCIATION
BANK OF DESOTO, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in DESOTO, TX, established in 1986. As of , 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 5.22%. CET1 capital ratio: 10.04%, well above regulatory minimums. NPL ratio: 0.60% · Texas Ratio: 6.72%. Operates 1 domestic branch.
Capital & Liquidity
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Bank of Desoto, N.A. rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.04% | 1.47% | 0.60% | 6.72% | 5.22% |
| 2025-09-30 | 10.18% | 1.74% | 0.62% | 6.36% | 4.98% |
| 2025-06-30 | 9.70% | 1.55% | 0.63% | 5.75% | 4.88% |
| 2025-03-31 | 9.90% | 2.05% | 0.53% | 5.29% | 4.91% |
| 2024-12-31 | 9.93% | 1.90% | 0.57% | 5.63% | 5.02% |
| 2024-09-30 | 10.14% | 2.11% | 0.54% | 5.42% | 5.54% |
| 2024-06-30 | 11.12% | 1.46% | 0.86% | 5.44% | 5.57% |
| 2024-03-31 | 10.80% | 1.93% | 2.18% | 13.81% | 5.70% |
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Frequently asked about BANK OF DESOTO, NATIONAL ASSOCIATION
What are Bank of Desoto, N.A.'s total assets?
As of the Q4 2025 filing, Bank of Desoto, N.A. reported total assets of $265.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Desoto, N.A. headquartered?
Bank of Desoto, N.A. is headquartered in DESOTO, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Desoto, N.A. founded?
Bank of Desoto, N.A. was established in 1986, per the FDIC institution directory.
Is Bank of Desoto, N.A. FDIC-insured?
Yes. Bank of Desoto, N.A. is an FDIC-insured commercial bank (FDIC Certificate #26542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Desoto, N.A.?
Bank of Desoto, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Desoto, N.A.'s CET1 capital ratio?
Bank of Desoto, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 10.04% in its most recent quarterly filing — above regulatory minimums.
How many branches does Bank of Desoto, N.A. operate?
Bank of Desoto, N.A. operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Bank of Desoto, N.A.'s Texas Ratio?
Bank of Desoto, N.A.'s Texas Ratio is 6.72% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.