Bank of the Southwest: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 7.04 percentage points in Q2 2026, from 243.64% to 236.60%. It was the largest change from Q1 2026 among the key lines here. Bank of the Southwest ranks 7th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 76.47% (Q2 2026). Bank of the Southwest reported 76.47% on loan-to-deposit ratio for Q2 2026, 4.37 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $121.6M |
| Net loans and leases | $120.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.97% |
| Loan-to-deposit ratio | 76.47% |
| Net loans to equity capital | 7.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.65% |
| Multifamily (5+ residential) | 5.51% |
| Commercial and industrial | 14.01% |
| Consumer | 6.52% |
| Credit cards | 0.00% |
| Farm | 1.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.60% |
| Construction concentration (Tier 1 capital + allowance) | 34.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.06% |
| Interest income on loans | $2.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $117.2M | $181.2M | 28.86% | 22.96% | 7.10% |
| Q4 2023 | $119.0M | $163.2M | 28.76% | 22.27% | 7.99% |
| Q1 2024 | $120.1M | $158.7M | 40.43% | 13.39% | 7.99% |
| Q2 2024 | $113.5M | $160.0M | 39.58% | 13.65% | 8.03% |
| Q3 2024 | $116.1M | $162.6M | 38.62% | 12.74% | 9.38% |
| Q4 2024 | $114.4M | $159.8M | 37.86% | 12.58% | 9.22% |
| Q1 2025 | $112.3M | $168.5M | 38.28% | 12.56% | 8.65% |
| Q2 2025 | $114.5M | $166.6M | 37.08% | 12.84% | 8.73% |
| Q3 2025 | $116.5M | $169.0M | 35.82% | 12.86% | 8.62% |
| Q4 2025 | $119.7M | $163.9M | 36.37% | 13.51% | 7.84% |
| Q1 2026 | $121.8M | $157.5M | 36.49% | 13.95% | 6.81% |
| Q2 2026 | $121.6M | $159.0M | 36.65% | 14.01% | 6.52% |
Bank of the Southwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Southwest, freeSource: Call Report Schedule RC-C, 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)