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Overview / Commentary
5600 Wyoming Boulevard, N.E., Suite 275
Albuquerque, NM 87109

DSRM National Bank is headquartered in Albuquerque and is the 45th largest bank in the state of New Mexico. It is also the 6,727th largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 3 employees at 1 location. DSRM National Bank has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. DSRM National Bank has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 DSRM National Bank had $0 in non-current loans and owned real-estate with $3.04 million in equity and loan loss allowances on hand to cover it. This gives DSRM National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, DSRM National Bank has increased its total deposits by $0, resulting in 0% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DSRM National Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DSRM National Bank has $3.61 million in assets with $3.04 million in equity, resulting in a capitalization level of 84.25%, which is excellent.

Institution Statistics

FDIC Certificate #34331
Year Established1996
Primary RegulatorOCC
Assets and Liabilities
Assets$3.61 million
Equity Capital$3.04 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - March 2013
Assets$3.57 million
Equity Capital$3.00 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets0.99%
Return on Equity1.18%
Interest Income$9,000

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DSRM National Bank Locations
Dsrm National Bank5600 Wyoming Boulevard, N.e., Suite 275Albuquerque, NM 87109