Desjardins Bank, 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1977.34 percentage points lower than in Q1 2026, at 343.15%. Within Florida, Desjardins Bank, N.A. is 36th of 79 on return on assets, 1.14% 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. Desjardins Bank, N.A. sits 0.12 points lower, at 1.14% (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 | 19.31% |
| Equity capital to assets | 18.62% |
| Tangible equity to tangible assets | 18.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.17% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 343.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 5.94% |
| Net interest margin | 4.55% |
| Efficiency ratio | 70.02% |
| Yield on earning assets | 5.10% |
| Cost of funds | 0.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.32% |
| Core deposits to total deposits | 96.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.89% |
| Securities to assets | 5.43% |
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 | 15.70% | 1.45% | 4.21% | 0.34% | 0.00% |
| Q4 2023 | 15.92% | 1.93% | 4.35% | 0.11% | 0.00% |
| Q1 2024 | 16.48% | 1.85% | 4.34% | 0.11% | 0.00% |
| Q2 2024 | 17.11% | 1.71% | 4.24% | 0.03% | 0.00% |
| Q3 2024 | 17.78% | 2.47% | 4.53% | 0.03% | 0.00% |
| Q4 2024 | 17.91% | 1.68% | 4.70% | 0.03% | 0.00% |
| Q1 2025 | 18.35% | 1.56% | 4.50% | 0.03% | 0.00% |
| Q2 2025 | 18.75% | 1.43% | 4.35% | 0.04% | 0.00% |
| Q3 2025 | 19.42% | 1.52% | 4.67% | 0.01% | 0.00% |
| Q4 2025 | 19.50% | 0.64% | 4.64% | 0.70% | 0.00% |
| Q1 2026 | 19.82% | 1.43% | 4.71% | 0.05% | 0.00% |
| Q2 2026 | 19.31% | 1.14% | 4.55% | 0.31% | 0.00% |
Desjardins Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Desjardins Bank, 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 Desjardins Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33565) · FFIEC NIC profile (RSSD 1940747)