SOUTHWEST BANK

ODESSA, TX | Medium | Est. Dec. 15, 1947, midnight | FDIC #16652 | RSSD #561864 | FDIC
Latest Report: 2025-12-31

SOUTHWEST BANK is amn medium FDIC-insured commercial bank headquartered in ODESSA, TX, established in Dec. 15, 1947, midnight. As of 2025-12-31, the bank reported total assets of $716M and total deposits of $633M. Profitability stands at 2.21% ROA and 20.91% ROE, with a net interest margin of 5.66%. The bank's CET1 capital ratio is 10.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.75% and a Texas Ratio of 17.01%. FDIC Certificate #16652.

Assets

$716M

Deposits

$633M

Loans

$492M

Equity

$76M

Profitability

Return on Assets (ROA) 2.21%
Return on Equity (ROE) 20.91%
Net Interest Margin (NIM) 5.66%
Yield on Assets 6.59%
Cost of Funds 0.97%

Asset Quality

NPL Ratio 2.75%
Net Charge-Off Ratio 1.23%
Texas Ratio 17.01%
NPA Ratio 2.08%
ACL / Loans 2.39%

Capital & Liquidity

CET1 Ratio 10.57%
Tier 1 Capital 10.57%
Total Capital Ratio 11.10%
Leverage Ratio 11.35%
Loan-to-Deposit 77.66%

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