First Southwest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Southwest Bank of Durango, CO against its peer group of 2603 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 | 0.51% | 1.35% | -0.84% | 13th bottom |
| ROAE | 3.79% | 13.33% | -9.54% | 11th bottom |
| Net Interest Margin | 3.30% | 3.93% | -0.63% | 20th bottom |
| Efficiency Ratio | 80.37% | 61.12% | +19.25% | 13th bottom |
| PPNR / Avg Assets | 0.71% | 1.68% | -0.97% | 13th bottom |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 23rd bottom |
| Cost of Funds | 1.96% | 1.88% | +0.08% | 40th below |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.62% | 0.94% | -0.32% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.70% | -0.36% | 48th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 211.85% | 1547.05% | -1335.20% | 50th above |
| Texas Ratio | 2.54% | 7.34% | -4.80% | 57th above |
| Provision / NCO | -71.08% | 1396.28% | -1467.36% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.56% | 19.48% | +7.08% | 90th top |
| Tier 1 Ratio | 26.56% | 19.51% | +7.05% | 90th top |
| Total Capital Ratio | 27.81% | 20.60% | +7.21% | 90th top |
| Leverage Ratio | 15.31% | 12.14% | +3.17% | 88th top |
| Equity / Assets | 13.27% | 11.36% | +1.91% | 80th top |
| TCE / Tangible Assets | 12.70% | 11.08% | +1.62% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.54% | 80.67% | -11.13% | 71st above |
| Core Deposit Ratio | 80.17% | 86.85% | -6.68% | 17th bottom |
| Wholesale Funding Ratio | 11.20% | 5.03% | +6.17% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 6.84% | -1.39% | 58th above |
| Loan Growth (Y/Y) | 8.68% | 7.92% | +0.76% | 68th above |
| Deposit Growth (Y/Y) | 7.04% | 6.29% | +0.75% | 71st above |
See First Southwest Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Southwest Bank, 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 First Southwest Bank profile, how to read a UBPR, or how this data updates.