Bank call report · Desoto, TX
Bank of Desoto, N.A. Call Report
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Bank of Desoto, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 227 reported line items, schedule by schedule (456 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 638355 |
| FDIC certificate number | 26542 |
| Total assets | $264.6M |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Desoto, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Bank of Desoto, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $264.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $264.6M |
| Total Liabilities and Minority Interest | RCON2948 | $237.8M |
| Total Deposits | RCON2200 | $237.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $168.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $152.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $150.9M |
| Interest-bearing Balances | RCON0071 | $81.3M |
| Deposits: Noninterest-bearing | RCON6631 | $68.5M |
| Total Equity Capital | RCON3210 | $26.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $26.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $25.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $23.3M |
| Held-to-maturity Securities, Total | RCON1754 | $23.3M |
| Other Assets | RCON2160 | $3.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.5M |
| Common Stock | RCON3230 | $875K |
| Surplus | RCON3839 | $875K |
| Other Liabilities, Total | RCON2930 | $598K |
| Other Real Estate Owned | RCON2150 | $273K |
Schedule RI: Income Statement (34 items)
About Schedule RI · Bank of Desoto, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $8.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.9M |
| Net Interest Income | RIAD4074 | $6.2M |
| Total Noninterest Expense | RIAD4093 | $4.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.0M |
| Total Interest Expense | RIAD4073 | $2.6M |
| Salaries and Employee Benefits | RIAD4135 | $2.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.1M |
| Net Income (Loss) | RIAD4340 | $2.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.6M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $678K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $503K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $410K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $290K |
| Total Noninterest Income | RIAD4079 | $254K |
| Other Noninterest Income | RIADB497 | $181K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $158K |
| Provision for Loan and Lease Losses | RIAD4230 | $120K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $120K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$56K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $51K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$29K |
| Interest on Other Securities | RIAD4060 | $13K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $10K |
| Other Interest Expense | RIADGW44 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 40 |
Schedule RC-B: Securities (15 items)
About Schedule RC-B · Bank of Desoto, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $6.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $6.2M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $22.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $12.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $12.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $11.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.2M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $4.4M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $4.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.5M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $490K |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $490K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $490K |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Bank of Desoto, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $152.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $66.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $63.2M |
| Pledged Loans and Leases | RCONG378 | $50.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $32.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $31.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $21.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $16.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $15.0M |
| Commercial and Industrial Loans | RCON1766 | $13.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $11.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $10.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $9.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $5.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $386K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $386K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $248K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $244K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $190K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $128K |
| Real Estate Loans Secured by Farmland | RCON1420 | $39K |
| Other Loans | RCONJ464 | $22K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $12.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $3.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $495K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $39K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 124 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 32 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 25 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 17 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 9 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · Bank of Desoto, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $160.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $160.4M |
| Total Transaction Accounts | RCON2215 | $76.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $76.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $68.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $57.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $51.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $43.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $40.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $36.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $36.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $28.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $14.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $14.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $14.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $11.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.8M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.3M |
| Accrued Interest Receivable | RCONB556 | $750K |
| Other Assets | RCON2168 | $427K |
| Prepaid Expenses | RCON2166 | $326K |
| Other Repossessed Assets (Net) | RCON1578 | $68K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $53K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Bank of Desoto, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $265.6M |
| Quarterly Average of Total Loans | RCON3360 | $152.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $81.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $69.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $57.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $50.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $50.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $38.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $30.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $23.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $14.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $8.4M |
| All Other Securities | RCONB560 | $490K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Bank of Desoto, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $5.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $588K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $101K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $25K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Bank of Desoto, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.9M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $273K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · Bank of Desoto, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.4M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $1.6M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $1.1M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $387K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $386K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $189K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $173K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $145K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $125K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $121K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $73K |
| Additions to Nonaccrual Assets | RCONC410 | $63K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $62K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $59K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $58K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $39K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $29K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $29K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Bank of Desoto, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $264.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $237.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $119.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $109.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $26.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $5.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,777 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 202 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 116 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (16 items)
About Schedule RC-R, Part I · Bank of Desoto, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $265.6M |
| Average total consolidated assets | RCOAKW03 | $265.6M |
| Total Assets | RCOA2170 | $264.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $26.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $26.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $26.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $26.7M |
| Retained Earnings | RCOAKW00 | $25.0M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $5.7M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $5.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.8M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $25K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1006 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0214 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $26.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $26.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $26.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Bank of Desoto, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $300K |
| Charge-offs on Automobile Loans | RIADK129 | $135K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $93K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $53K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $33K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $19K |
| Recoveries on Automobile Loans | RIADK133 | $18K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $7K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $6K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Bank of Desoto, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.6M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $300K |
Bank of Desoto, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Desoto, N.A. call report?
The Bank of Desoto, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Desoto, N.A. file?
Bank of Desoto, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Desoto, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Desoto, N.A. has Federal Reserve RSSD ID 638355 and FDIC certificate number 26542. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Desoto, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Desoto, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 26542) · FFIEC NIC profile (RSSD 638355)