First Southwest Bank: 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: 11.03 percentage points higher than in Q1 2026, at 211.85%. First Southwest Bank ranks 56th of 63 Colorado banks on return on assets, in the lower half at 0.51% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First Southwest Bank reported 0.51% on return on assets in Q2 2026, 0.74 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.56% |
| Tier 1 risk-based capital ratio | 26.56% |
| Total risk-based capital ratio | 27.81% |
| Tier 1 leverage ratio | 15.31% |
| Equity capital to assets | 13.27% |
| Tangible equity to tangible assets | 12.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.54% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 211.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.51% |
| Return on equity | 3.79% |
| Net interest margin | 3.30% |
| Efficiency ratio | 80.37% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.54% |
| Core deposits to total deposits | 80.17% |
| Brokered deposits to total deposits | 12.75% |
| Deposits to assets | 74.78% |
| Securities to assets | 37.36% |
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 | 35.33% | 35.33% | 36.58% | 19.95% | 1.15% |
| Q4 2023 | 35.38% | 35.38% | 36.63% | 19.43% | 1.18% |
| Q1 2024 | 34.80% | 34.80% | 36.05% | 19.43% | 0.72% |
| Q2 2024 | 33.97% | 33.97% | 35.23% | 19.65% | 0.55% |
| Q3 2024 | 33.65% | 33.65% | 34.91% | 19.81% | 1.02% |
| Q4 2024 | 33.33% | 33.33% | 34.58% | 19.30% | 2.05% |
| Q1 2025 | 32.68% | 32.68% | 33.93% | 18.64% | 0.11% |
| Q2 2025 | 30.88% | 30.88% | 32.13% | 16.98% | 0.48% |
| Q3 2025 | 30.74% | 30.74% | 31.99% | 16.74% | 1.24% |
| Q4 2025 | 27.08% | 27.08% | 28.33% | 15.31% | 1.30% |
| Q1 2026 | 26.88% | 26.88% | 28.13% | 15.15% | 0.69% |
| Q2 2026 | 26.56% | 26.56% | 27.81% | 15.31% | 0.51% |
First Southwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southwest Bank, 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 First Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57741) · FFIEC NIC profile (RSSD 3224302)