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Bank of DeSoto, National Association

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

De Soto, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -3.1% year over year ($237.3M on the books).
  • Delinquency rate 0.99%.
  • Return on assets 1.62%.
  • Efficiency ratio 64.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Bank of DeSoto, National Association has 2 strengths but faces 5 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 0.30% above tier average
  • + Net Interest Margin 0.88% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 5.0% in tier
  • - Cost Spiral: Bottom 31.2% in tier
  • - Deposit Outflow: Bottom 39.4% in tier
  • - Margin Compression: Bottom 53.4% in tier
  • - Delinquency Rate 0.08% above tier average
Get updates when Bank of DeSoto, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $264.6M
-2.7% YoY +1.1% QoQ
-$122.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $150.9M
-4.3% YoY +0.2% QoQ
-$107.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $237.3M
-3.1% YoY +1.1% QoQ
-$89.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.62%
-9.8% YoY +8.1% QoQ
+0.30% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 4.86%
-1.3% YoY +1.5% QoQ
+0.88% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 10.6% in tier
Efficiency Ratio ? 64.90%
+9.1% YoY -0.2% QoQ
+0.42% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.99%
+43.9% YoY +10.2% QoQ
+0.08% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 63.58%
-1.3% YoY -1.0% QoQ
-14.37% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 28.86%
+0.3% YoY -2.6% QoQ
+6.83% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.67%
+7.5% YoY -9.3% QoQ
+0.00% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 10.06%
+2.6% YoY -1.7% QoQ
-5.85% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 11.5% in tier
Non-Interest Income / Assets ? 0.10%
-21.6% YoY +96.3% QoQ
-0.47% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 28.9%
+0.1pp YoY
-0.8pp QoQ
 +6.7pp 22.1% 29.2% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 9.0%
+1.1pp YoY
+0.7pp QoQ
 -2.5pp 11.6% 14.8% 12.5% 46%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 45.7%
+0.7pp YoY
-0.6pp QoQ
 +13.1pp 32.6% 25.8% 31.3% 78%
Consumer 20.0%
-2.1pp YoY
-0.5pp QoQ
 +15.8pp 4.1% 4.7% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 10.1%
+0.3pp YoY
-0.2pp QoQ
 -2.1pp 12.2% 12.6% 12.6% 33%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 40
0 YoY
0 QoQ
 -19 58 186 482 41%
Assets per Employee ($) $6.6M
-2.7% YoY
+1.1% QoQ
 -$904K $7.5M $10.1M $8.8M 45%
Branch Count 1
0 YoY
0 QoQ
 -4 4 12 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.4pp YoY
+0.1pp QoQ
 +0.4pp 0.3% 0.3% 0.4% 88%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 34%
Allowance Coverage 1.00x
-28.4% YoY
-14.6% QoQ
 -23.15x 24.15x 18.82x 20.23x 26%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
-0.1pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.0%
-2.2pp YoY
+1.2pp QoQ
 +3.8pp 12.2% 13.2% 11.6% 73%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 73%
Net Income ($, YTD) $2.1M
-11.0% YoY
— QoQ
 -$415K $2.6M $15.9M $40.4M 55%

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 (4)

Capital Thin

risk
#34 of 661 • Bottom 5.0% 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: 10.06%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Cost Spiral

risk
#44 of 138 • Bottom 31.2% 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: 64.90%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#212 of 535 • Bottom 39.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Margin Compression

decline
#165 of 307 • Bottom 53.4% 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: 1.62%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

281
Net Interest Margin
profitability
Value: 4.86%
Peer Median: 3.99%
#281 of 2643 Top 10.6% in $100M-$1B
561
Non-Interest-Bearing Deposit Share
funding
Value: 28.86%
Peer Median: 22.03%
#561 of 2643 Top 21.2% in $100M-$1B
572
Loan-to-Deposit Ratio
liquidity
Value: 63.58%
Peer Median: 77.95%
#572 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (2 metrics)

2340
Tier 1 Capital Ratio
capital
Value: 10.06%
Peer Median: 15.91%
#2340 of 2643 Bottom 11.5% in $100M-$1B
2191
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2191 of 2643 Bottom 17.1% in $100M-$1B
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