FirstBank Southwest
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Data as of · sourced from FFIEC call reports. How we update
FirstBank Southwest is an FDIC-insured commercial bank headquartered in Amarillo, TX, established in 1907 (FDIC certificate 3387), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.88B, up 0.8% from Q2 2025, the 54th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3387
- Headquarters
- Amarillo, TX
- Established
- 1907
- Total assets, Q2 2026
- $1.88B
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 14.03%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 111308057
- Holding company
- FIRSTPERRYTON BANCORP, INC.
- Asset rank in state
- 54th of 346 in Texas
FirstBank Southwest, based in Amarillo, Texas, reported $1.9 billion in assets at June 30, 2026. It shrank its loan book 1.6% over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Net income for the quarter slipped 16% from a year earlier, to $6.0 million. Over the same year, loans shrank 1.6% and deposits grew 1.6%.
As of June 30, 2026, FirstBank Southwest reported a CET1 capital ratio of 14.03%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 3.81%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FirstBank Southwest is the 54th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $1.88B, loans fell 3.1% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 24.4% of total loans, followed by commercial and industrial loans at 20.2%. The FDIC Summary of Deposits lists 11 offices for it, in 6 cities in TX; its Amarillo 6 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, FirstBank Southwest meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2401 S Georgia St, Amarillo, TX 79109
- County
- Potter
- Metro Area
- Amarillo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Former names
- FirstBank Southwest, National Association (1995-2005)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 254
- Domestic deposits
- $1.67B
- Allowance for credit losses
- $15.6M
- Net charge-offs (YTD)
- $865K
- Average total assets
- $1.91B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.26B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3387
- Fed RSSD
- 840363
- SEC CIK
- 1165918 → filed by FIRSTPERRYTON BANCORP, INC.
- Website
- www.fbsw.com →
- Parent Holding Company
- FIRSTPERRYTON BANCORP, INC. (RSSD 1108707)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FirstBank Southwest's total assets ranged from $1.74B (Q3 2023) to $1.89B (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.88B total assets against $1.86B; $1.70B total liabilities against $1.70B.
$1.30B net loans and leases against $1.32B; $1.67B total deposits against $1.65B.
$244.5M securities against $287.5M; $249.5M cash and balances due against $177.1M.
$26.7M total interest income against $27.7M; $9.2M total interest expense against $11.3M.
$17.5M net interest income against $16.4M.
$2.8M total noninterest income against $2.8M; $14.0M total noninterest expense against $11.9M.
$250K provision for credit losses against $150K.
$6.0M net income against $7.1M.
1.26% return on assets against 1.48%; 3.84% net interest margin against 3.56%.
14.03% CET1 capital ratio against 12.87%; 11.16% tier 1 leverage ratio against 10.63%.
Inside the full FirstBank Southwest terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
FirstBank Southwest rankings
Its closest position to the top of a national ranking is 622 of 4,196, for total assets; its furthest is 2,677 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q2 2026) to 1.48% (Q2 2025) and its net interest margin ran from 3.36% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.03% | 1.26% | 0.41% | 3.81% | 3.84% |
| Q1 2026 | 13.39% | 1.32% | 0.43% | 3.98% | 3.74% |
| Q4 2025 | 13.15% | 1.38% | 0.29% | 3.09% | 3.82% |
| Q3 2025 | 13.33% | 1.41% | 0.30% | 2.99% | 3.65% |
| Q2 2025 | 12.87% | 1.48% | 0.31% | 3.22% | 3.56% |
| Q1 2025 | 12.44% | 1.29% | 0.25% | 3.21% | 3.49% |
| Q4 2024 | 12.36% | 1.36% | 0.28% | 3.60% | 3.54% |
| Q3 2024 | 12.73% | 1.37% | 0.32% | 3.94% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FirstBank Southwest (main office) | Amarillo , TX | 79109 | $508.9M |
| Perryton Branch | Perryton , TX | 79070 | $335.3M |
| Pampa Branch | Pampa , TX | 79065 | $283.9M |
| Downtown Amarillo Branch | Amarillo , TX | 79101 | $186.7M |
| Hereford Branch | Hereford , TX | 79045 | $167.0M |
| Booker Branch | Booker , TX | 79005 | $62.4M |
| Sleepy Hollow Branch | Amarillo , TX | 79119 | $40.3M |
| Gem Lake Branch | Amarillo , TX | 79106 | $37.6M |
| Western Banking Center Branch | Amarillo , TX | 79109 | $33.5M |
| Www.Fbsw.Com Branch | Amarillo , TX | 79121 | $11.0M |
| Canyon Branch | Canyon , TX | 79015 | $4.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 6, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 6, 2006 | Structure Change | Acquired Western National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 1995 | Structure Change | Acquired The First National Bank of Hereford Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 1986 | Structure Change | Acquired First Bank & Trust Co. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 18, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 77 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $390K approved, $390K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FirstBank Southwest
What are FirstBank Southwest's total assets?
As of the Q2 2026 filing, FirstBank Southwest reported total assets of $1.88 billion in its FFIEC call report.
Where is FirstBank Southwest headquartered?
It is headquartered in Amarillo, TX, United States.
When was FirstBank Southwest founded?
It was established in 1907, per the FDIC institution directory.
Is FirstBank Southwest FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FirstBank Southwest?
FirstBank Southwest's primary federal regulator is the FDIC.
What is FirstBank Southwest's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FirstBank Southwest operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FirstBank Southwest's Texas Ratio?
Its Texas Ratio is 3.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was FirstBank Southwest previously called?
The charter now named FirstBank Southwest has also operated as FirstBank Southwest, National Association (1995-2005), per FDIC structure-change records.
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