Bank of Desoto, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.95 percentage points in Q2 2026, from 191.35% to 194.30%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bank of Desoto, N.A. is 115th of 345 on return on assets, 1.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Desoto, N.A. sits 0.48 points higher, at 1.73% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.06% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 7.65% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 194.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 17.26% |
| Net interest margin | 4.88% |
| Efficiency ratio | 64.77% |
| Yield on earning assets | 6.90% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.22% |
| Core deposits to total deposits | 75.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.67% |
| Securities to assets | 8.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.32% | 1.98% | 5.98% | 2.30% | 0.45% |
| Q4 2023 | 10.63% | 0.91% | 5.88% | 1.73% | 0.65% |
| Q1 2024 | 10.72% | 1.92% | 5.70% | 2.18% | 0.26% |
| Q2 2024 | 11.15% | 1.46% | 5.57% | 0.86% | 0.82% |
| Q3 2024 | 10.65% | 2.11% | 5.54% | 0.54% | 0.03% |
| Q4 2024 | 9.93% | 1.86% | 4.97% | 0.57% | 0.27% |
| Q1 2025 | 9.94% | 2.05% | 4.92% | 0.53% | 0.56% |
| Q2 2025 | 9.81% | 1.55% | 4.88% | 0.63% | 0.38% |
| Q3 2025 | 9.88% | 1.71% | 4.98% | 0.62% | 0.04% |
| Q4 2025 | 10.20% | 1.48% | 4.97% | 0.60% | 0.41% |
| Q1 2026 | 10.24% | 1.52% | 4.85% | 0.55% | 0.46% |
| Q2 2026 | 10.06% | 1.73% | 4.88% | 0.51% | 0.24% |
Bank of Desoto, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Desoto, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Desoto, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26542) · FFIEC NIC profile (RSSD 638355)