Bank of the Southwest: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged down 0.21 percentage points between Q1 2026 and Q2 2026, to 9.36%. Bank of the Southwest ranks 16th of 20 New Mexico banks on CET1 ratio, in the lower half at 15.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Bank of the Southwest reported 15.03% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.03% |
| Tier 1 risk-based capital ratio | 15.03% |
| Total risk-based capital ratio | 16.20% |
| Tier 1 leverage ratio | 9.36% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $17.0M |
| Tier 1 capital | $17.0M |
| Total risk-based capital | $18.4M |
| Total equity capital | $17.0M |
| Risk-weighted assets | $113.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.66% |
| Tangible equity to tangible assets | 9.66% |
| Equity capital to average assets | 9.36% |
| Internal capital growth rate | -1.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $990K |
| Common stock surplus | $8.6M |
| Retained earnings | $7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.36% | 15.36% | 16.61% | 8.80% | $111.0M |
| Q4 2023 | 15.44% | 15.44% | 16.49% | 9.37% | $113.3M |
| Q1 2024 | 15.56% | 15.56% | 16.73% | 9.61% | $111.7M |
| Q2 2024 | 16.05% | 16.05% | 17.30% | 9.83% | $108.2M |
| Q3 2024 | 15.96% | 15.96% | 17.10% | 9.37% | $110.5M |
| Q4 2024 | 15.79% | 15.79% | 16.93% | 9.50% | $110.5M |
| Q1 2025 | 16.16% | 16.16% | 17.32% | 9.46% | $107.9M |
| Q2 2025 | 15.99% | 15.99% | 17.18% | 9.63% | $109.1M |
| Q3 2025 | 16.03% | 16.03% | 17.20% | 9.29% | $109.6M |
| Q4 2025 | 15.06% | 15.06% | 16.15% | 9.17% | $113.5M |
| Q1 2026 | 15.18% | 15.18% | 16.32% | 9.57% | $112.7M |
| Q2 2026 | 15.03% | 15.03% | 16.20% | 9.36% | $113.4M |
Bank of the Southwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Southwest, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of the Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2247) · FFIEC NIC profile (RSSD 499752)