| Metric | Southwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +4.9% | -9.5 pts |
| Deposit growth (YoY) | -5.7% | +4.3% | -10.0 pts |
| Loan growth (YoY) | +0.5% | +5.3% | -4.8 pts |
| ROA | 1.95% | 1.28% | +0.7 pts |
| ROE | 18.5% | 12.4% | +6.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $693.7M | $610.6M | $487.5M | $73.7M | $6.9M | 1.95% | 5.59% | 0.25% |
| Q1 2026 | $697.7M | $617.8M | $472.4M | $72.8M | $3.4M | 1.95% | 5.44% | 2.09% |
| Q4 2025 | $715.6M | $633.1M | $479.9M | $75.6M | $11.7M | 1.64% | 5.92% | 2.08% |
| Q3 2025 | $725.8M | $641.8M | $478.9M | $77.0M | $7.7M | 1.44% | 6.04% | 2.29% |
| Q2 2025 | $726.7M | $647.3M | $485.0M | $73.1M | $4.4M | 1.23% | 6.02% | 0.76% |
| Q1 2025 | $721.4M | $641.5M | $472.8M | $74.2M | $2.0M | 1.11% | 5.92% | 0.78% |
| Q4 2024 | $690.6M | $612.7M | $490.7M | $73.2M | $18.7M | 2.76% | 6.33% | 0.49% |
| Q3 2024 | $713.3M | $635.9M | $474.3M | $71.1M | $14.5M | 2.87% | 6.27% | 0.76% |
Loan mix (Q2 2026): real estate $292.0M · commercial $205.3M · consumer $1.8M · securities $131.5M
| Ratio | Southwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 12.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.59% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 61.2% | 58th |
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 | 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% |
| Ratio | 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% |
| Ratio | 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% |
| Ratio | Southwest Bank | 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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