SOUTHWESTERN NATIONAL BANK

HOUSTON, TX | Large | Est. Nov. 3, 1997, midnight | FDIC #34319 | RSSD #2625724 | OCC
Latest Report: 2025-12-31

SOUTHWESTERN NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in HOUSTON, TX, established in Nov. 3, 1997, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 1.46% ROA and 12.92% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 13.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 2.69%. FDIC Certificate #34319.

Assets

$1.4B

Deposits

$1.2B

Loans

$1.1B

Equity

$153M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 12.92%
Net Interest Margin (NIM) 4.00%
Yield on Assets 7.14%
Cost of Funds 3.80%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio -0.01%
Texas Ratio 2.69%
NPA Ratio 0.32%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 13.60%
Tier 1 Capital 13.60%
Total Capital Ratio 14.79%
Leverage Ratio 11.54%
Loan-to-Deposit 92.90%

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