DSRM National Bank
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Data as of · sourced from FFIEC call reports. How we update
DSRM National Bank is an FDIC-insured commercial bank headquartered in Albuquerque, NM, established in 1996 (FDIC certificate 34331), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.4M, up 5.2% from Q2 2025, the 29th largest of 29 banks headquartered in New Mexico.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34331
- Headquarters
- Albuquerque, NM
- Established
- 1996
- Total assets, Q2 2026
- $4.4M
- Assets vs Q2 2025
- +5.2%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 102050026
- Latest call report
- Q2 2026, FFIEC 051 · DSRM National Bank call report
- Holding company
- VALERO ENERGY CORPORATION
- Asset rank in state
- 29th of 29 in New Mexico
DSRM National Bank is one of the more profitable banks of its size. Based in Albuquerque, New Mexico, it had $4.4 million in assets at June 30, 2026, up 5.2% from a year earlier. It earns about $3.07 a year on every $100 of assets, about triple the median of $1.06 for the 583 banks with less than $100 million in assets. On the other hand, it pays an average of 4.00% on its deposits and borrowings, 2.6 times the median of 1.53% for banks its size.
Net income for the quarter rose 21% from a year earlier, to $34,000.
As of June 30, 2026, DSRM National Bank reported a CET1 capital ratio of 128.73%, a return on assets of 3.07% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
DSRM National Bank ranks as the smallest of the 29 banks based in New Mexico, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $4.4M, deposits were flat. Its one office in the FDIC Summary of Deposits is in Albuquerque, NM. On its Q2 2026 call report, DSRM National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5600 Wyoming Blvd Ne, Albuquerque, NM 87109
- County
- Bernalillo
- Metro Area
- Albuquerque, NM
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1996
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 2
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $4.4M
- Average total loans
- $0
- Average interest-bearing deposits
- $500K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 1, 1996
- FDIC Cert
- 34331
- Fed RSSD
- 2502825
- SEC CIK
- 1035002 → filed by VALERO ENERGY CORPORATION
- Parent Holding Company
- VALERO ENERGY CORPORATION (RSSD 1564853) · VLO
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, DSRM National Bank's total assets ran between $4.1M (Q3 2023) and $4.5M (Q4 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
$4.4M total assets against $4.2M; $677K total liabilities against $575K.
$0 net loans and leases against $0; $500K total deposits against $500K.
$3.7M securities against $3.3M; $499K cash and balances due against $739K.
$44K total interest income against $35K; $5K total interest expense against $7K.
$39K net interest income against $28K.
$156K total noninterest income against $183K; $149K total noninterest expense against $174K.
No provision recorded in the last 12 quarters.
$34K net income against $28K.
3.07% return on assets against 2.66%; 3.97% net interest margin against 3.14%.
128.73% CET1 capital ratio against 159.48%; 84.50% tier 1 leverage ratio against 85.98%.
Inside the full DSRM National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.93% (Q3 2024) to 3.07% (Q2 2026) and its net interest margin ran from 2.24% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 128.73% | 3.07% | — | 0.00% | 3.97% |
| Q1 2026 | 126.48% | 2.61% | — | 0.00% | 3.42% |
| Q4 2025 | 150.49% | 2.53% | — | 0.00% | 3.33% |
| Q3 2025 | 134.34% | 2.30% | — | 0.00% | 2.83% |
| Q2 2025 | 159.48% | 2.66% | — | 0.00% | 3.14% |
| Q1 2025 | 173.27% | 2.27% | — | 0.00% | 2.96% |
| Q4 2024 | 153.32% | 2.30% | — | 0.00% | 2.97% |
| Q3 2024 | — | 1.93% | — | 0.00% | 2.24% |
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 |
|---|---|---|---|
| DSRM National Bank (main office) | Albuquerque , NM | 87109 | $500K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NM, rank 55 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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
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Frequently asked about DSRM National Bank
What are DSRM National Bank's total assets?
As of the Q2 2026 filing, DSRM National Bank reported total assets of $4.4 million in its FFIEC call report.
Where is DSRM National Bank headquartered?
It is headquartered in Albuquerque, NM, United States.
When was DSRM National Bank founded?
It was established in 1996, per the FDIC institution directory.
Is DSRM National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates DSRM National Bank?
DSRM National Bank's primary federal regulator is the OCC.
What is DSRM National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 128.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does DSRM National Bank 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 DSRM National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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