Bank of Desoto, N.A.
BankRegReports is independent of Bank of Desoto, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Desoto, N.A. is an FDIC-insured commercial bank headquartered in Desoto, TX, supervised by the OCC, with $264.6M in total assets at Q2 2026, down 2.7% from Q2 2025, the 229th largest of 346 banks headquartered in Texas. It was established in 1986 and holds FDIC certificate 26542. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26542
- Headquarters
- Desoto, TX
- Established
- 1986
- Total assets, Q2 2026
- $264.6M
- Assets vs Q2 2025
- -2.7%
- Tier 1 leverage ratio, Q2 2026
- 10.06%
- Domestic offices
- 1 · Bank of Desoto, N.A. branches FDIC institution directory, current count
- Routing number
- 111916698
- Safety and soundness
- Is Bank of Desoto, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Desoto, N.A. Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- D BANCORP, INC.
- Asset rank in state
- 229th of 346 in Texas
Bank of Desoto, N.A. earns an unusually wide margin on its lending. The Desoto, Texas bank had $265 million in assets at June 30, 2026, down 2.7% from a year earlier. It keeps 4.88 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also shrank its loan book 4.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.98% of loans from 0.68% a year earlier. Net income for the quarter rose 10% from a year earlier, to $1.2 million.
As of June 30, 2026, Bank of Desoto, N.A. reported a return on assets of 1.73%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 6.28%. The figures come from its call report filed with the FFIEC.
Bank of Desoto, N.A. ranks as the 229th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $264.6M, loans rose 0.1% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.3% of total loans, followed by owner-occupied commercial real estate loans at 20.7%. The FDIC Summary of Deposits lists a single office for it, in De Soto, TX. Judged on its Q2 2026 call report, Bank of Desoto, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2011 N Hampton Rd, Desoto, TX 75115
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 27, 1986
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $237.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $267K
- Average total assets
- $265.6M
- Average total loans
- $152.4M
- Average interest-bearing deposits
- $167.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 27, 1986
- FDIC Cert
- 26542
- Fed RSSD
- 638355
- Website
- www.bankdesoto.com →
- Parent Holding Company
- D BANCORP, INC. (RSSD 2127022)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Desoto, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Desoto, N.A.'s total assets ranged from $227.8M (Q1 2024) to $272.0M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$264.6M total assets against $272.0M; $237.8M total liabilities against $245.6M.
$150.9M net loans and leases against $157.7M; $237.3M total deposits against $244.9M.
$23.3M securities against $8.1M; $83.6M cash and balances due against $98.2M.
$4.4M total interest income against $4.7M; $1.3M total interest expense against $1.5M.
$3.1M net interest income against $3.2M.
$126K total noninterest income against $145K; $2.1M total noninterest expense against $2.1M.
$0 provision for credit losses against $200K.
$1.2M net income against $1.0M.
1.73% return on assets against 1.55%; 4.88% net interest margin against 4.88%.
10.06% tier 1 leverage ratio against 9.81%.
Inside the full Bank of Desoto, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Desoto, N.A. rankings
Its closest position to the top of a national ranking is 846 of 3,611, for ROA; its furthest is 2,333 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q4 2025) to 2.11% (Q3 2024) and its net interest margin ran from 4.85% (Q1 2026) to 5.54% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.06% | 1.73% | 0.98% | 6.28% | 4.88% |
| Q1 2026 | 10.24% | 1.52% | 0.89% | 6.85% | 4.85% |
| Q4 2025 | 10.20% | 1.48% | 0.74% | 7.49% | 4.97% |
| Q3 2025 | 9.88% | 1.71% | 0.64% | 6.47% | 4.98% |
| Q2 2025 | 9.81% | 1.55% | 0.68% | 6.07% | 4.88% |
| Q1 2025 | 9.94% | 2.05% | 1.07% | 8.45% | 4.92% |
| Q4 2024 | 9.93% | 1.86% | 0.44% | 4.79% | 4.97% |
| Q3 2024 | 10.65% | 2.11% | 0.39% | 4.51% | 5.54% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Desoto, N.A. (main office) | De Soto , TX | 75115 | $237.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 276 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 19 loans originated, $5.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Desoto, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of Desoto, N.A.
What are Bank of Desoto, N.A.'s total assets?
As of the Q2 2026 filing, Bank of Desoto, N.A. reported total assets of $264.6 million in its FFIEC call report.
Where is Bank of Desoto, N.A. headquartered?
It is headquartered in Desoto, TX, United States.
When was Bank of Desoto, N.A. founded?
It was established in 1986, per the FDIC institution directory.
Is Bank of Desoto, N.A. FDIC-insured?
Yes. It 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.
How many branches does Bank of Desoto, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Desoto, N.A.'s Texas Ratio?
Its Texas Ratio is 6.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of Desoto, N.A.
Get an email when Bank of Desoto, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Desoto, N.A., freeFree account