BANK OF THE SOUTHWEST
BANK OF THE SOUTHWEST is an FDIC-insured commercial bank headquartered in ROSWELL, NM, established in 1930. As of , 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 6.89%. CET1 capital ratio: 15.06%, well above regulatory minimums. NPL ratio: 0.24% · Texas Ratio: 3.83%. Operates 13 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Bank of the Southwest rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.06% | 1.12% | 0.24% | 3.83% | 6.89% |
| 2025-09-30 | 16.03% | 2.34% | 0.50% | 5.27% | 6.98% |
| 2025-06-30 | 15.99% | 2.11% | 0.08% | 2.90% | 7.10% |
| 2025-03-31 | 16.16% | 2.16% | 0.12% | 3.76% | 6.96% |
| 2024-12-31 | 15.79% | 2.30% | 0.14% | 3.86% | 7.21% |
| 2024-09-30 | 15.96% | 2.73% | 0.12% | 3.80% | 7.31% |
| 2024-06-30 | 16.05% | 2.17% | 0.13% | 4.05% | 7.40% |
| 2024-03-31 | 15.56% | 2.23% | 0.15% | 4.24% | 7.22% |
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Frequently asked about BANK OF THE SOUTHWEST
What are Bank of the Southwest's total assets?
As of the Q4 2025 filing, Bank of the Southwest reported total assets of $181.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of the Southwest headquartered?
Bank of the Southwest is headquartered in ROSWELL, NM, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of the Southwest founded?
Bank of the Southwest was established in 1930, per the FDIC institution directory.
Is Bank of the Southwest FDIC-insured?
Yes. Bank of the Southwest is an FDIC-insured commercial bank (FDIC Certificate #2247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Southwest?
Bank of the Southwest's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of the Southwest's CET1 capital ratio?
Bank of the Southwest reported a Common Equity Tier 1 (CET1) capital ratio of 15.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of the Southwest operate?
Bank of the Southwest operates 13 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of the Southwest's Texas Ratio?
Bank of the Southwest's Texas Ratio is 3.83% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.