BlastPoint's Banking Scorecard
Bank of DeSoto, National Association
Micro
Specialty: Other
TX
FDIC cert 26542
Designations: ✓ Community bank
De Soto, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Bank of DeSoto, National Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.15% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$265.9M
+0.8% YoY
+1.2% QoQ
|
+$48.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$153.6M
-7.0% YoY
-2.1% QoQ
|
+$14.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$238.7M
+0.8% YoY
+1.4% QoQ
|
+$55.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.70%
-7.4% YoY
-4.6% QoQ
|
+0.62% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
5.00%
-8.5% YoY
-1.6% QoQ
|
+1.15% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
61.39%
-4.4% YoY
+4.4% QoQ
|
-6.34% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.74%
+69.5% YoY
+15.8% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
64.34%
-7.7% YoY
-3.5% QoQ
|
-10.18% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
30.93%
+9.2% YoY
+8.8% QoQ
|
+8.53% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.80%
+58.0% YoY
+13.4% QoQ
|
+0.35% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
+15.9% YoY
+27.5% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%
82
82th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.08%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.93% · Tier avg: 22.39%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.34% · Tier avg: 74.53%
68
68th pctile
Total Deposits
Current: $238.7M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $265.9M · Tier avg: $217.5M
63
63th pctile
Efficiency Ratio
Current: 61.39% · Tier avg: 67.73%
61
61th pctile
Total Loans
Current: $153.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.45%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Loans
Current: $153.6M · Tier avg: $139.2M
63
63th pctile
Efficiency Ratio
Current: 61.39% · Tier avg: 67.73%
65
65th pctile
Total Assets
Current: $265.9M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $238.7M · Tier avg: $183.7M
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.34% · Tier avg: 74.53%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.93% · Tier avg: 22.39%
82
82th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%