BlastPoint's Banking Scorecard
DSRM National Bank
Micro
Specialty: Other
NM
FDIC cert 34331
Albuquerque, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
DSRM National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.34% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 14.65% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.21% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5M
+6.8% YoY
+1.3% QoQ
|
-$213.0M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$500K
0% YoY
0% QoQ
|
-$183.2M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
2.43%
+18.3% YoY
+1.6% QoQ
|
+1.34% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
2.64%
+35.0% YoY
+3.2% QoQ
|
-1.21% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
82.19%
-2.6% YoY
-0.3% QoQ
|
+14.46% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
150.49%
-1.8% YoY
+12.0% QoQ
|
+141.64% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
15.21%
+6.7% YoY
+34.4% QoQ
|
+14.65% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 1.08%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
15.21%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.64%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Non-Interest Income / Assets
Current: 15.21% · Tier avg: 0.56%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.19% · Tier avg: 67.73%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
0
0th pctile
Total Assets
Current: $4.5M · Tier avg: $217.5M
Top Weaknesses
0
0th pctile
Total Assets
Current: $4.5M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
17
17th pctile
Efficiency Ratio
Current: 82.19% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.08%
100
100th pctile
Non-Interest Income / Assets
Current: 15.21% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%