DSRM National Bank


5600 Wyoming Boulevard, N.E., Suite 275
Albuquerque, NM 87109
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

DSRM National Bank is an FDIC insured institution located in Albuquerque, NM. It was founded in 1996 and has approximately $0 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34331
Date Established 1996
Assets $ 4.10 million
Loans N.A.
Deposits $ 0.50 million
Capital $ 3.37 million

For a more detailed analysis of DSRM National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for DSRM National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.798% 2.750%
-0.38 points
$1,562 fees
$1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.559% 2.500%
0.75 points
$1,958 fees
$988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to DSRM National Bank
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Financial Details

DSRM National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of DSRM National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
DSRM National Bank U.S. Bank Average
0% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, DSRM National Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,365,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
DSRM National Bank U.S. Bank Average
1.07% 11.43%

DSRM National Bank has a Return on Equity of 1.07% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

DSRM National Bank U.S. Bank Average
82.17% 11.51%

DSRM National Bank has a Capitalization of 82.17% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

DSRM National Bank Balance Sheet Analysis

As of March 31, 2021, DSRM National Bank had assets of $4,095,000, loans of $0, and deposits of $500,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 0.84 million
Interest-bearing balances $ 0.84 million
Total securities $ 3.02 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.24 million
     Total Assets $ 0.73 million
Total deposits $ 0.50 million
      Interest-bearing deposits $ 0.50 million
      Deposits held in domestic offices $ 0.50 million
      % insured (estimated) 49.80%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.23 million
      Total Liabilities $ 0.73 million
      Shareholders’ Equity $ 3.37 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 0.01 million
Total Interest Expense $ 0.00 million
Net interest income $ 0.01 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.12 million
Total non interest expense $ 0.12 million
Pre-tax Net Operating Income $ 0.01 million

Bank Loan Profile?

The top three loan types in DSRM National Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, DSRM National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Dsrm National Bank

Branches and Savings

Is Dsrm National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34331.

Why does Dsrm National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Dsrm National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Dsrm National Bank a commercial bank?


Where are Dsrm National Bank locations?

See branch locations nearby.

Is Dsrm National Bank open on Saturdays?

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Are Dsrm National Bank ATMs Open 24/7?

Do Dsrm National Bank ATMs accept cash deposits?

Can Dsrm National Bank customers use other ATMs?

Do Dsrm National Bank branches have notaries?

Will Dsrm National Bank notarize my document?

What address for Dsrm National Bank should I put for incoming ACH transfers?

Will the Dsrm National Bank branch print checks?

Do Dsrm National Bank checks expire?

Does Dsrm National Bank require US citizenship to open account?

Can Dsrm National Bank close my account?

Does Dsrm National Bank Report to credit bureaus?

Does Dsrm National Bank Use Equifax?

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What is Dsrm National Bank's SWIFT code?


Does Dsrm National Bank offer mortgages?

Compare mortgage rates here.

Does Dsrm National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Dsrm National Bank offer personal loans?

Compare personal loan rates here.

Does Dsrm National Bank offer student loans?

Will Dsrm National Bank cash a check?

Will Dsrm National Bank redeem a savings bond?

Does Dsrm National Bank cash savings bonds?

Will Dsrm National Bank cash money orders?

Can Dsrm National Bank issue a money order?

Does Dsrm National Bank do currency exchange?

Background on The Bank

Who owns Dsrm National Bank?

How long has Dsrm National Bank been around?

Can Dsrm National Bank transfer to other banks?

Does Dsrm National Bank have quick pay?

Does Dsrm National Bank accept rolled coins?

Will Dsrm National Bank accept loose change?

Where is Dsrm National Bank headquarters?

Customer Reviews for DSRM National Bank

  • January 26, 2019

    I've been paying $9.95 for 5 years & I found out that the health protector I've been paying for doesn't seem to exist. Am I missing something (other than my money ? I'd like to know what the story is.

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