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Bank Of Desoto, National Association
De Soto, TX · FDIC Certificate #26542 · Chartered 01/2
Total assets
$264.57M
Total deposits
$237.25M
Total equity
$26.73M
Net loans
$150.85M
Branches (offices)
1
Net income (YTD)
$2.14M
Rank: #2,640 of 4,213 U.S. banks by assets · #229 of 346 in Texas. Assets changed -2.7% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 16.04% |
| Net interest margin (YTD) | 4.86% |
| Equity to assets | 10.10% |
| Tier 1 leverage ratio | 10.06% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.98% |
| Net charge-offs (share of loans) | 0.35% |
| Loans to deposits | 63.6% |
| Real estate loans (share of loans) | 72.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $108.63M | 72.0% | |
| Commercial & industrial | $13.60M | 9.0% | |
| Consumer / individual | $30.10M | 20.0% | |
| Construction & development | $5.74M | 3.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $253.31M | $230.64M | $2.77M | $22.43M |
| Jun 2023 | $228.79M | $204.07M | $3.06M | $24.09M |
| Jun 2024 | $228.72M | $202.83M | $1.94M | $25.43M |
| Jun 2025 | $271.97M | $244.89M | $2.40M | $26.39M |
| Jun 2026 | $264.57M | $237.25M | $2.14M | $26.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $237.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $237.25M.
Similar-sized banks
Jim Thorpe Neighborhood Bank ($265.01M) · Texas Financial Bank ($264.56M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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