SOUTHWEST CAPITAL BANK

ALBUQUERQUE, NM | Small | Est. Dec. 1, 1890, midnight | FDIC #12258 | RSSD #206156 | FDIC
Latest Report: 2025-12-31

SOUTHWEST CAPITAL BANK is asn small FDIC-insured commercial bank headquartered in ALBUQUERQUE, NM, established in Dec. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $477M and total deposits of $428M. Profitability stands at 1.38% ROA and 14.87% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 16.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.14% and a Texas Ratio of 9.03%. FDIC Certificate #12258.

Assets

$477M

Deposits

$428M

Loans

$204M

Equity

$45M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 14.87%
Net Interest Margin (NIM) 4.72%
Yield on Assets 5.22%
Cost of Funds 0.51%

Asset Quality

NPL Ratio 2.14%
Net Charge-Off Ratio 0.00%
Texas Ratio 9.03%
NPA Ratio 0.92%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 16.70%
Tier 1 Capital 16.70%
Total Capital Ratio 17.76%
Leverage Ratio 10.51%
Loan-to-Deposit 47.70%

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