DSRM National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common equity Tier 1 ratio: 2.26 percentage points higher than in Q1 2026, at 128.73%. As of Q2 2026, DSRM National Bank ranks first in New Mexico on CET1 ratio among 20 banks, at 128.73%. Against a median of 19.57% for banks in the < $100M asset tier, DSRM National Bank reported 128.73% on CET1 ratio in Q2 2026, 109.17 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 128.73% |
| Tier 1 risk-based capital ratio | 128.73% |
| Total risk-based capital ratio | 128.73% |
| Tier 1 leverage ratio | 84.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.7M |
| Tier 1 capital | $3.7M |
| Total risk-based capital | $3.7M |
| Total equity capital | $3.7M |
| Risk-weighted assets | $2.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 84.68% |
| Tangible equity to tangible assets | 84.68% |
| Equity capital to average assets | 84.50% |
| Internal capital growth rate | 3.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.3M |
| Retained earnings | $1.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 84.96% | — |
| Q4 2023 | — | — | — | 84.91% | — |
| Q1 2024 | — | — | — | 83.31% | — |
| Q2 2024 | — | — | — | 85.14% | — |
| Q3 2024 | — | — | — | 85.52% | — |
| Q4 2024 | 153.32% | 153.32% | 153.32% | 85.60% | $2.3M |
| Q1 2025 | 173.27% | 173.27% | 173.27% | 88.64% | $2.1M |
| Q2 2025 | 159.48% | 159.48% | 159.48% | 85.98% | $2.3M |
| Q3 2025 | 134.34% | 134.34% | 134.34% | 83.93% | $2.7M |
| Q4 2025 | 150.49% | 150.49% | 150.49% | 83.04% | $2.4M |
| Q1 2026 | 126.48% | 126.48% | 126.48% | 83.38% | $2.9M |
| Q2 2026 | 128.73% | 128.73% | 128.73% | 84.50% | $2.9M |
DSRM National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock DSRM National Bank, freeSource: Call Report Schedule RC-R, 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 DSRM National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34331) · FFIEC NIC profile (RSSD 2502825)