BlastPoint's Banking Scorecard

Bank of DeSoto, National Association

$100M-$1B Specialty: Other TX FDIC cert 26542

De Soto, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Bank of DeSoto, National Association has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.23% above tier average
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 0.28% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 6.8% in tier
- Margin Compression: Bottom 10.5% in tier
- Cost Spiral: Bottom 68.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$261.8M -2.0% YoY -1.6% QoQ	-$124.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$150.6M -7.5% YoY -1.9% QoQ	-$105.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$234.6M -2.3% YoY -1.7% QoQ	-$93.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	1.50% -27.0% YoY -12.0% QoQ	+0.23%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	4.79% -3.3% YoY -4.2% QoQ	+0.86%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 11.1% in tier
Efficiency Ratio ?	65.00% +15.3% YoY +5.9% QoQ	-0.28%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.90% -16.3% YoY +21.0% QoQ	+0.01%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	64.20% -5.4% YoY -0.2% QoQ	-12.44%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	29.62% +1.5% YoY -4.2% QoQ	+7.60%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.74% -16.5% YoY -7.5% QoQ	+0.10%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	10.24% +3.0% YoY +0.4% QoQ	-5.59%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 12.8% in tier
Non-Interest Income / Assets ?	0.05% -30.5% YoY -79.8% QoQ	-0.23%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk

#46 of 666 • Bottom 6.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.24%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Margin Compression

decline

#33 of 305 • Bottom 10.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.50%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Cost Spiral

risk

#87 of 126 • Bottom 68.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 65.00%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

298

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.93%

#298 of 2664 Top 11.1% in $100M-$1B

514

Non-Interest-Bearing Deposit Share

funding

Value: 29.62%

Peer Median: 22.02%

#514 of 2664 Top 19.3% in $100M-$1B

638

Loan-to-Deposit Ratio

liquidity

Value: 64.20%

Peer Median: 76.64%

#638 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2324

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.83%

#2324 of 2664 Bottom 12.8% in $100M-$1B

2170

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2170 of 2664 Bottom 18.6% in $100M-$1B