| Metric | Southwest Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +4.4% | -9.1 pts |
| Deposit growth (YoY) | -6.4% | +4.0% | -10.3 pts |
| Loan growth (YoY) | +30.4% | +5.6% | +24.8 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 12.6% | 11.9% | +0.8 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $482.9M | $432.3M | $238.5M | $47.3M | $2.9M | 1.23% | 4.10% | 0.83% |
| Q1 2026 | $471.5M | $423.1M | $208.0M | $46.6M | $1.6M | 1.32% | 4.10% | 0.93% |
| Q4 2025 | $477.4M | $428.5M | $201.4M | $45.5M | $8.8M | 1.80% | 4.33% | 0.92% |
| Q3 2025 | $489.5M | $443.8M | $192.5M | $44.2M | $7.2M | 1.94% | 4.24% | 0.58% |
| Q2 2025 | $506.9M | $461.7M | $183.0M | $43.7M | $5.4M | 2.17% | 4.18% | 0.16% |
| Q1 2025 | $499.4M | $454.8M | $175.1M | $42.7M | $2.0M | 1.63% | 4.15% | 0.17% |
| Q4 2024 | $476.5M | $431.6M | $175.3M | $42.9M | $7.5M | 1.62% | 4.21% | 0.43% |
| Q3 2024 | $484.2M | $440.7M | $177.0M | $41.7M | $3.8M | 1.11% | 4.03% | 1.66% |
Loan mix (Q2 2026): real estate $199.0M · commercial $43.0M · consumer $17K · securities $200.2M
| Ratio | Southwest Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
58th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 62.9% | 69th |
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 Capital 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 Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Southwest Capital 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 Capital 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 Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 21, 2025 | Acquirer | — | Merger | Returned | FDIC |
6 branches in 3 counties across 1 state (+0 vs 2025) · $432.3M branch deposits. Biggest market: San Miguel, NM, ranked 1st with 28.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Miguel, NM | 4 | $229.4M | 28.79% | 1st |
| Bernalillo, NM | 1 | $137.5M | 0.54% | 25th |
| Mora, NM | 1 | $65.3M | 39.74% | 1st |
New Mexico: 34th with 0.67% · Albuquerque metro: 28th, 0.45% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Spends 2.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).