Bank of the Southwest: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Southwest of Roswell, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.96% | 1.34% | -0.38% | 31st below |
| ROAE | 10.29% | 13.31% | -3.02% | 38th below |
| Net Interest Margin | 6.78% | 3.93% | +2.85% | 99th top |
| Efficiency Ratio | 83.64% | 61.14% | +22.50% | 10th bottom |
| PPNR / Avg Assets | 1.10% | 1.68% | -0.58% | 25th below |
| Yield on Earning Assets | 6.94% | 5.67% | +1.27% | 94th top |
| Cost of Funds | 0.17% | 1.88% | -1.71% | 99th top |
| Net Interest Spread | 6.47% | 3.32% | +3.15% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.94% | -0.21% | 36th below |
| NPA / Total Assets | 0.74% | 0.70% | +0.04% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 149.21% | 1538.93% | -1389.72% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.07% | 7.33% | -0.26% | 31st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 287.50% | 1395.78% | -1108.28% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.03% | 19.50% | -4.47% | 49th below |
| Tier 1 Ratio | 15.03% | 19.54% | -4.51% | 49th below |
| Total Capital Ratio | 16.20% | 20.62% | -4.42% | 49th below |
| Leverage Ratio | 9.36% | 12.14% | -2.78% | 18th bottom |
| Equity / Assets | 9.66% | 11.37% | -1.71% | 39th below |
| TCE / Tangible Assets | 9.66% | 11.09% | -1.43% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.47% | 80.64% | -4.17% | 58th above |
| Core Deposit Ratio | 99.84% | 86.86% | +12.98% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.26% | 6.85% | -11.11% | 6th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 7.90% | -1.71% | 56th above |
| Deposit Growth (Y/Y) | -4.51% | 6.29% | -10.80% | 7th bottom |
See Bank of the Southwest's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Southwest, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the Southwest profile, how to read a UBPR, or how this data updates.