DSRM National Bank: 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 CET1 capital ratio: 2.26 percentage points higher than in Q1 2026, at 128.73%. Among 29 New Mexico banks, DSRM National Bank sits 3rd from the top on return on assets, 3.07% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, DSRM National Bank reported 3.07% on return on assets in Q2 2026, 2.09 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 128.73% |
| Tier 1 risk-based capital ratio | 128.73% |
| Total risk-based capital ratio | 128.73% |
| Tier 1 leverage ratio | 84.50% |
| Equity capital to assets | 84.68% |
| Tangible equity to tangible assets | 84.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.07% |
| Return on equity | 3.65% |
| Net interest margin | 3.97% |
| Efficiency ratio | 76.41% |
| Yield on earning assets | 4.48% |
| Cost of funds | 4.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 0.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 11.32% |
| Securities to assets | 82.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 84.96% | 1.37% |
| Q4 2023 | — | — | — | 84.91% | 1.46% |
| Q1 2024 | — | — | — | 83.31% | 1.43% |
| Q2 2024 | — | — | — | 85.14% | 2.51% |
| Q3 2024 | — | — | — | 85.52% | 1.93% |
| Q4 2024 | 153.32% | 153.32% | 153.32% | 85.60% | 2.30% |
| Q1 2025 | 173.27% | 173.27% | 173.27% | 88.64% | 2.27% |
| Q2 2025 | 159.48% | 159.48% | 159.48% | 85.98% | 2.66% |
| Q3 2025 | 134.34% | 134.34% | 134.34% | 83.93% | 2.30% |
| Q4 2025 | 150.49% | 150.49% | 150.49% | 83.04% | 2.53% |
| Q1 2026 | 126.48% | 126.48% | 126.48% | 83.38% | 2.61% |
| Q2 2026 | 128.73% | 128.73% | 128.73% | 84.50% | 3.07% |
DSRM National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock DSRM National Bank, 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 DSRM National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34331) · FFIEC NIC profile (RSSD 2502825)