TellerScore

Bank of DeSoto, National Association (FDIC certificate #26542) is based in De Soto, Texas. Its Q2 2026 call report shows $264.6M in total assets and $237.3M in deposits and 1 office.

Bank of DeSoto, National Association has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 226th. Problem-loan coverage contributes the most (87/100, 6.3%); capital cushion contributes the least (51/100, 10.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.06%
Loan quality67/100
Noncurrent loans ÷ total loans: 0.98%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 63.6% · 30.8% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (73 → 70), mostly because the loan quality component weakened by 10 points.

TellerScore
707478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202478
Q4 202475
Q1 202571
Q2 202573
Q3 202573
Q4 202572
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%8.07%11.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.15%
Q3 202410.65%
Q4 20249.93%
Q1 20259.94%
Q2 20259.81%
Q3 20259.88%
Q4 202510.20%
Q1 202610.24%
Q2 202610.06%
Noncurrent loans
0.39%0.73%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.91%
Q3 20240.39%
Q4 20240.44%
Q1 20251.07%
Q2 20250.68%
Q3 20250.64%
Q4 20250.74%
Q1 20260.89%
Q2 20260.98%
Return on assets
1.50%1.78%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.69%
Q3 20241.82%
Q4 20241.84%
Q1 20252.05%
Q2 20251.80%
Q3 20251.78%
Q4 20251.70%
Q1 20261.50%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$264.6M10.06%0.98%1.62%63.6%
Q1 202670$261.8M10.24%0.89%1.50%64.2%
Q4 202572$265.9M10.20%0.74%1.70%64.3%
Q3 202573$262.8M9.88%0.64%1.78%66.6%
Q2 202573$272.0M9.81%0.68%1.80%64.4%
Q1 202571$267.1M9.94%1.07%2.05%67.8%
Q4 202475$263.7M9.93%0.44%1.84%69.7%
Q3 202478$252.6M10.65%0.39%1.82%70.7%
Q2 202472$228.7M11.15%0.91%1.69%79.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.06%
33rd
Total risk-based capital0.00%
24th
Problem loans0.98%
28th
Net charge-offs0.35%
8th
Return on assets1.62%
72nd
Net interest margin4.86%
89th
Efficiency ratio64.9%
42nd
Loans to deposits63.6%
78th
Uninsured deposits30.8%
26th
Loan-loss reserves0.98%
24th
Texas ratio6.3%
30th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Financial BankBank Eden, TX61 out of 100, Moderate$264.6M11.7%1.00%vs
Anahuac National BankBank Anahuac, TX68 out of 100, Moderate$266.4M10.1%0.37%vs
Guadalupe BankBank Kerrville, TX74 out of 100, Strong$261.1M9.9%0.00%vs
First Texas BankBank Lampasas, TX81 out of 100, Strong$259.7M10.1%0.00%vs
Castroville State BankBank Castroville, TX76 out of 100, Strong$269.7M10.9%0.00%vs
Farmers and Merchants BankBank De Leon, TX85 out of 100, Very strong$269.8M12.0%0.00%vs

Deposit insurance

Is my money safe at Bank of DeSoto, National Association?

Yes. Bank of DeSoto, National Association is an FDIC-insured institution (FDIC certificate #26542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.8% of deposits ($73.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bank of DeSoto, National Association lists 1 office in 1 city. Most locations:

  • De Soto, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of DeSoto, National Association reported 27 home-loan applications under HMDA (LEI 549300SS41NEZDLCGD86): 19 originated ($5,045,000 total), 4 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of DeSoto, National Association
Type
National bank
FDIC certificate #
26542
RSSD ID
638355
Primary regulator
OCC
Holding company
D Bcorp Inc
Established
January 27, 1986
Headquarters
2011 N Hampton Rd, De Soto, TX 75115
Employees
40

Quick answers

Bank of DeSoto, National Association: common questions

Is Bank of DeSoto, National Association FDIC insured?

Yes. Bank of DeSoto, National Association is an FDIC-insured institution (FDIC certificate #26542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of DeSoto, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of DeSoto, National Association ever failed?

There is no failure record for FDIC certificate #26542 in the FDIC failed bank list.

How many branches does Bank of DeSoto, National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near De Soto

InstitutionScoreAssetsCapitalProblem loansCompare
Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX97 out of 100, Very strong$18.5M20.1%0.00%vs
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Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Seagoville Federal Credit UnionCredit union Seagoville, TX89 out of 100, Very strong$15.8M21.6%0.21%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs