# DSRM NATIONAL BANK
ALBUQUERQUE, NM · FDIC certificate 34331 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.4M | |
| Deposits | $500,000 | |
| Loans and leases | $0 | |
| Total equity | $3.7M | |
| Loans / deposits | 0.00% (p2 of band) | 73.59% |
| Liquid assets / assets | 94.25% (p99 of band) | |
| Uninsured deposits / deposits | 50.00% (p97 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 84.50% (p97 of band) | 11.76% |
| Unrealized securities loss / equity | -0.99% (p77 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.84% (p95 of band) | 1.17% |
| Net interest margin | 3.41% (p26 of band) | 3.93% |
| Efficiency ratio | 76.96% (p73 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 2 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2011-06 | 1 |  | uninsured deposits >50% |
| 2011-09 | 2 | uninsured deposits >50% |  |
| 2011-12 | 1 |  | uninsured deposits >50% |
| 2012-03 | 2 | uninsured deposits >50% |  |
| 2012-06 | 1 |  | uninsured deposits >50% |
| 2012-09 | 2 | uninsured deposits >50% |  |
| 2012-12 | 2 | capital falling | uninsured deposits >50% |
| 2013-03 | 3 | uninsured deposits >50% |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | capital falling | uninsured deposits >50% |
| 2014-03 | 2 | uninsured deposits >50% | capital falling |
| 2014-06 | 1 |  | uninsured deposits >50% |
| 2014-09 | 2 | uninsured deposits >50% |  |
| 2014-12 | 2 | capital falling | uninsured deposits >50% |
| 2015-03 | 3 | uninsured deposits >50% |  |
| 2015-06 | 1 |  | capital falling, uninsured deposits >50% |
| 2015-09 | 2 | uninsured deposits >50% |  |
| 2015-12 | 1 |  | uninsured deposits >50% |
| 2016-03 | 2 | uninsured deposits >50% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | uninsured deposits >50% |
| 2017-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2017-06 | 3 | expense ratio p90 | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | capital falling | expense ratio p90 |
| 2018-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2018-09 | 3 | uninsured deposits >50%, expense ratio p90 |  |
| 2018-12 | 1 |  | uninsured deposits >50%, expense ratio p90 |
| 2019-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2019-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2019-09 | 2 | uninsured deposits >50% |  |
| 2019-12 | 1 |  | uninsured deposits >50% |
| 2020-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2020-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2020-09 | 2 | uninsured deposits >50% |  |
| 2020-12 | 1 |  | uninsured deposits >50% |
| 2021-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2021-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2021-09 | 2 | uninsured deposits >50% |  |
| 2021-12 | 1 |  | uninsured deposits >50% |
| 2022-03 | 2 | uninsured deposits >50% |  |
| 2022-06 | 1 |  | uninsured deposits >50% |
| 2022-09 | 2 | uninsured deposits >50% |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | uninsured deposits >50% |
| 2023-09 | 2 | uninsured deposits >50% |  |
| 2023-12 | 1 |  | uninsured deposits >50% |
| 2024-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2024-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2024-09 | 2 | uninsured deposits >50% |  |
| 2024-12 | 1 |  | uninsured deposits >50% |
| 2025-03 | 2 | uninsured deposits >50% |  |
| 2025-06 | 0 |  | NIM <2.5%, uninsured deposits >50% |
| 2025-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2025-12 | 1 |  | uninsured deposits >50% |
| 2026-03 | 1 | uninsured deposits >50% | capital falling |
| 2026-06 | 0 |  | uninsured deposits >50% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-09 [APS is hosting free story time and lunch for children this summer - KOB 4](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQUEzMVZPcFVveU5zWWlPaW4zYXBqOXNOVERkbHZoVkRORU9fMUIxcXQ1M3p2OUVGVWowNW9rYWM3aXoyQ1BWZHZqQUt2LTVDR3JiMkJTTEFZc3RQZ0gwb3IzOF9QWElLR3VfbDg5N25ISVZvdm45Mk1zaDJQT21GX1lrMFRCMHJkdGpjZUlpWjdrX1NCSHNwTVhsc2JJbVJuY0E?oc=5) · KOB 4

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34331 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "34331", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide