BANK OF DESOTO NATIONAL ASSOCIATION

DE SOTO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1986FDIC #26,542

Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.50%

Is this bank safe?

BANK OF DESOTO NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2023), is financially strong (ROA +1.50%). Overall, this bank appears financially sound.

How this bank compares

Mortgage Denial Rate (TX)

Lower denial rate than 18.2% of TX banks

Institution Profile

FDIC BankFind

Website

www.bankdesoto.com

Address

2011 N Hampton Rd, DE SOTO, TX

County

Dallas County

Established

January 27, 1986

Total Assets

$262M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 30, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Nov 2028(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$262M

Total Deposits

$235M

Net Loans

$151M

Net Income

$989K

ROA

1.50%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.84%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.50%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate15.38%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$245M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	52	78.85%	15.38%
2023	72	80.56%	8.33%
2019	64	75%	7.81%
2018	85	78.82%	7.06%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2023	Satisfactory	Small Bank
Jun 2019	Satisfactory	Small Bank
May 2015	Satisfactory	Small Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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