SOUTHWIND BANK

NATOMA, KS | Small | Est. Jan. 1, 1909, midnight | FDIC #4735 | RSSD #276159 | FDIC
Latest Report: 2025-12-31

SOUTHWIND BANK is asn small FDIC-insured commercial bank headquartered in NATOMA, KS, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $180M and total deposits of $167M. Profitability stands at 1.13% ROA and 16.40% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 6.75%. Asset quality metrics show a non-performing loan ratio of 0.60% and a Texas Ratio of 3.96%. FDIC Certificate #4735.

Assets

$180M

Deposits

$167M

Loans

$89M

Equity

$12M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 16.40%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.28%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.60%
Net Charge-Off Ratio 0.08%
Texas Ratio 3.96%
NPA Ratio 0.30%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 6.75%
Tier 1 Capital 6.75%
Total Capital Ratio 7.08%
Leverage Ratio 9.70%
Loan-to-Deposit 53.50%

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