BANK OF THE SOUTHWEST

ROSWELL, NM | Small | Est. March 18, 1930, midnight | FDIC #2247 | RSSD #499752 | FDIC
Latest Report: 2025-12-31

BANK OF THE SOUTHWEST is asn small FDIC-insured commercial bank headquartered in ROSWELL, NM, established in March 18, 1930, midnight. As of 2025-12-31, the bank reported total assets of $181M and total deposits of $164M. Profitability stands at 1.12% ROA and 11.91% ROE, with a net interest margin of 7.34%. The bank's CET1 capital ratio is 15.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 3.83%. FDIC Certificate #2247.

Assets

$181M

Deposits

$164M

Loans

$120M

Equity

$17M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 11.91%
Net Interest Margin (NIM) 7.34%
Yield on Assets 7.35%
Cost of Funds 0.01%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.08%
Texas Ratio 3.83%
NPA Ratio 0.39%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 15.06%
Tier 1 Capital 15.06%
Total Capital Ratio 16.15%
Leverage Ratio 9.17%
Loan-to-Deposit 73.07%

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