Southwestern National Bank
Total assets
$1.39B
▲ +7.0% YoY
Deposits
$1.21B
▲ +6.8% YoY
Loans
$1.17B
▲ +7.4% YoY
Offices
9
SWNB BCORP INC
ROA (annualized)
1.46%
peers 1.26%
ROE (annualized)
12.42%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | +6.8% | +5.1% | +1.7 pts |
| Loan growth (YoY) | +7.4% | +5.9% | +1.5 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 12.4% | 12.2% | +0.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SWNB BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 9601 Bellaire Blvd, Houston, TX, 77036
- County
- Harris
- Metro area
- Houston-The Woodlands-Sugar Land, TX
- Offices
- 9
- FDIC cert #
- 34319
- RSSD ID
- 2625724
- 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 | $1.39B | $1.21B | $1.17B | $169.8M | $10.1M | 1.46% | 3.96% | 0.35% |
| Q1 2026 | $1.39B | $1.21B | $1.11B | $164.5M | $4.5M | 1.30% | 3.85% | 0.35% |
| Q4 2025 | $1.38B | $1.22B | $1.12B | $153.1M | $17.1M | 1.33% | 3.76% | 0.32% |
| Q3 2025 | $1.28B | $1.13B | $1.10B | $148.1M | $12.2M | 1.29% | 3.74% | 0.17% |
| Q2 2025 | $1.30B | $1.14B | $1.09B | $143.0M | $7.9M | 1.26% | 3.66% | 0.14% |
| Q1 2025 | $1.27B | $1.10B | $1.05B | $138.8M | $3.6M | 1.17% | 3.55% | 0.02% |
| Q4 2024 | $1.21B | $1.05B | $1.01B | $137.5M | $12.7M | 1.08% | 3.20% | 0.04% |
| Q3 2024 | $1.22B | $1.08B | $971.7M | $135.4M | $9.1M | 1.04% | 3.08% | 0.11% |
Loan mix (Q2 2026): real estate $1.10B · commercial $85.4M · consumer $352K · securities $47.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 59.0% | 35th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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