Southwest Capital Bank
Total assets
$482.9M
▼ -4.7% YoY
Deposits
$432.3M
▼ -6.4% YoY
Loans
$238.5M
▲ +30.4% YoY
Offices
6
LAS VEGAS BCORP INC
ROA (annualized)
1.23%
peers 1.24%
ROE (annualized)
12.62%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| 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
Profile
- Established
- 1890
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LAS VEGAS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1410 Central Ave Sw, Albuquerque, NM, 87104
- County
- Bernalillo
- Metro area
- Albuquerque, NM
- Offices
- 6
- FDIC cert #
- 12258
- RSSD ID
- 206156
- 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 | $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 pack Q2 2026 · peer medians from 1900 institutions
Profitability
| 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% | 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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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