First Southwest Bank
Total assets
$657.5M
▲ +5.4% YoY
Deposits
$491.7M
▲ +7.0% YoY
Loans
$337.4M
▲ +8.8% YoY
Offices
6
FIRST SOUTHWEST BCORP INC
ROA (annualized)
0.60%
peers 1.28%
ROE (annualized)
4.48%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Southwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.9% | +0.5 pts |
| Deposit growth (YoY) | +7.0% | +4.3% | +2.7 pts |
| Loan growth (YoY) | +8.8% | +5.3% | +3.5 pts |
| ROA | 0.60% | 1.28% | -0.7 pts |
| ROE | 4.5% | 12.4% | -8.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST SOUTHWEST BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 600 E 2nd Ave, Durango, CO, 81301
- County
- La Plata
- Metro area
- Durango, CO
- Offices
- 6
- FDIC cert #
- 57741
- RSSD ID
- 3224302
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $657.5M | $491.7M | $337.4M | $87.2M | $2.0M | 0.60% | 3.43% | 0.04% |
| Q1 2026 | $646.7M | $485.0M | $333.6M | $87.6M | $1.1M | 0.69% | 3.36% | 0.03% |
| Q4 2025 | $663.5M | $497.0M | $329.4M | $87.5M | $5.0M | 0.81% | 3.34% | 0.06% |
| Q3 2025 | $654.1M | $481.7M | $315.1M | $95.4M | $2.9M | 0.64% | 3.31% | 0.03% |
| Q2 2025 | $623.5M | $459.3M | $310.1M | $90.3M | $921K | 0.31% | 3.29% | 0.16% |
| Q1 2025 | $598.3M | $430.7M | $298.9M | $91.7M | $163K | 0.11% | 3.21% | 0.11% |
| Q4 2024 | $565.8M | $396.8M | $298.4M | $91.6M | $5.9M | 1.08% | 3.43% | 0.06% |
| Q3 2024 | $540.1M | $362.9M | $285.5M | $92.6M | $3.0M | 0.75% | 3.45% | 0.07% |
Loan mix (Q2 2026): real estate $283.6M · commercial $34.0M · consumer $7.8M · securities $245.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Southwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.89% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 61.2% | 89th | |
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% |
Balance sheet
| Ratio | First Southwest Bank | 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% |
Capital
| Ratio | First Southwest Bank | 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% |
Credit quality
| Ratio | First Southwest Bank | 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% |
Franchise
| Ratio | First Southwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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