| Metric | Bank of the Southwest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +4.4% | -8.6 pts |
| Deposit growth (YoY) | -4.5% | +4.0% | -8.5 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.7 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 11.1% | 11.9% | -0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.3M | $159.0M | $120.3M | $17.0M | $951K | 1.07% | 6.92% | 0.74% |
| Q1 2026 | $174.8M | $157.5M | $120.6M | $17.1M | $512K | 1.15% | 6.91% | 0.53% |
| Q4 2025 | $181.0M | $163.9M | $118.5M | $17.1M | $3.6M | 1.94% | 7.12% | 0.39% |
| Q3 2025 | $186.8M | $169.0M | $115.2M | $17.6M | $3.0M | 2.21% | 7.08% | 0.53% |
| Q2 2025 | $184.2M | $166.6M | $113.2M | $17.5M | $2.0M | 2.15% | 7.01% | 0.29% |
| Q1 2025 | $186.0M | $168.5M | $111.0M | $17.4M | $983K | 2.16% | 6.99% | 0.38% |
| Q4 2024 | $177.3M | $159.8M | $113.2M | $17.5M | $4.2M | 2.36% | 7.34% | 0.41% |
| Q3 2024 | $180.5M | $162.6M | $114.9M | $17.6M | $3.2M | 2.37% | 7.28% | 0.40% |
Loan mix (Q2 2026): real estate $93.6M · commercial $17.0M · consumer $7.9M · securities $21.6M
| Ratio | Bank of the Southwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 62.9% | 87th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of the Southwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of the Southwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of the Southwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of the Southwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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