Total Assets
$4M
Total balance-sheet footings
FDIC Cert #34331 · Albuquerque, New Mexico · Est. 1996
DSRM National Bank - FDIC Bank Health Profile
A community-scale look at DSRM National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $4M
- Total assets
- A
- Health grade · Excellent
- 2.43%
- Return on assets
- 150.5%
- Tier 1 capital
Data updated July 2026
The verdict
DSRM National Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 150.49% Tier 1, profitable at 2.43% ROA, 82% efficiency ratio.
- #4,305
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 150.49%
- Tier 1 ratio - above the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How DSRM National Bank's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
DSRM National Bank's composite health score
Tier 1 Capital Ratio (150.49%) 40/40
Return on Assets (ROA) (2.43%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (82.19%) 0/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$104K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where DSRM National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. DSRM National Bank's score of 85/100 falls in the highlighted band.
DSRM National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). DSRM National Bank's $4M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
150.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
150.49%
Texas Ratio
0.00%
Equity Capital
$4M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.43%
Return on Equity (ROE)
2.87%
Efficiency Ratio
82.19%
What the numbers say about DSRM National Bank
DSRM National Bank is an FDIC-insured institution (Certificate #34331) headquartered in Albuquerque, New Mexico, established in 1996. It holds $4M in total assets - 4,305th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. Capital-wise, the Tier 1 ratio sits at 150.49%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
DSRM National Bank is a community-scale institution -- 29th of 29 FDIC-insured banks headquartered in New Mexico by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$134K
Interest Income
$678K
Non-Interest Income
$646K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. DSRM National Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) DSRM National Bank (FDIC Cert #34331) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is DSRM National Bank's health grade?▼
DSRM National Bank receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is DSRM National Bank?▼
DSRM National Bank holds $4M in total assets and $500K in deposits, ranking 4,305th of 4,313 FDIC-insured banks by asset size. It is headquartered in Albuquerque, New Mexico.
Is my money safe at DSRM National Bank?▼
Yes, deposits at DSRM National Bank (Certificate #34331) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is DSRM National Bank's Tier 1 Capital Ratio?▼
DSRM National Bank has a Tier 1 Capital Ratio of 150.49%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for DSRM National Bank?▼
DSRM National Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is DSRM National Bank?▼
DSRM National Bank has an Efficiency Ratio of 82.19%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read DSRM National Bank's profile as a depositor or analyst.
- DSRM National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare DSRM National Bank against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.