Bank of the Southwest: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 100.11 percentage points lower than in Q1 2026, at 149.21%. Bank of the Southwest ranks 26th of 29 New Mexico banks on return on assets, in the lower half at 0.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of the Southwest sits 0.29 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.03% |
| Tier 1 risk-based capital ratio | 15.03% |
| Total risk-based capital ratio | 16.20% |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.66% |
| Tangible equity to tangible assets | 9.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.74% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 7.07% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 149.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 10.29% |
| Net interest margin | 6.78% |
| Efficiency ratio | 83.64% |
| Yield on earning assets | 6.94% |
| Cost of funds | 0.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.47% |
| Core deposits to total deposits | 99.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.19% |
| Securities to assets | 12.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.36% | 15.36% | 16.61% | 8.80% | 2.53% |
| Q4 2023 | 15.44% | 15.44% | 16.49% | 9.37% | 2.44% |
| Q1 2024 | 15.56% | 15.56% | 16.73% | 9.61% | 2.20% |
| Q2 2024 | 16.05% | 16.05% | 17.30% | 9.83% | 2.18% |
| Q3 2024 | 15.96% | 15.96% | 17.10% | 9.37% | 2.60% |
| Q4 2024 | 15.79% | 15.79% | 16.93% | 9.50% | 2.24% |
| Q1 2025 | 16.16% | 16.16% | 17.32% | 9.46% | 2.13% |
| Q2 2025 | 15.99% | 15.99% | 17.18% | 9.63% | 2.16% |
| Q3 2025 | 16.03% | 16.03% | 17.20% | 9.29% | 2.29% |
| Q4 2025 | 15.06% | 15.06% | 16.15% | 9.17% | 1.11% |
| Q1 2026 | 15.18% | 15.18% | 16.32% | 9.57% | 1.15% |
| Q2 2026 | 15.03% | 15.03% | 16.20% | 9.36% | 0.96% |
Bank of the Southwest vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Southwest, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)