FirstBank 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.
Loan-to-deposit ratio dropped 3.31 percentage points in Q2 2026, from 82.25% to 78.94%. It was the largest change from Q1 2026 among the key lines here. FirstBank Southwest ranks 216th of 345 Texas banks on return on assets, in the lower half at 1.26% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets; FirstBank Southwest reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.03% |
| Tier 1 risk-based capital ratio | 14.03% |
| Total risk-based capital ratio | 15.13% |
| Tier 1 leverage ratio | 11.16% |
| Equity capital to assets | 9.51% |
| Tangible equity to tangible assets | 9.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.82% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 13.57% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 65.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 13.55% |
| Net interest margin | 3.84% |
| Efficiency ratio | 69.14% |
| Yield on earning assets | 5.84% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.94% |
| Core deposits to total deposits | 84.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.08% |
| Securities to assets | 13.03% |
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 | 11.73% | 11.73% | 12.72% | 9.80% | 0.82% |
| Q4 2023 | 12.25% | 12.25% | 13.27% | 10.06% | 1.77% |
| Q1 2024 | 12.30% | 12.30% | 13.31% | 10.37% | 1.16% |
| Q2 2024 | 12.24% | 12.24% | 13.27% | 10.49% | 1.15% |
| Q3 2024 | 12.73% | 12.73% | 13.76% | 10.68% | 1.37% |
| Q4 2024 | 12.36% | 12.36% | 13.39% | 10.45% | 1.36% |
| Q1 2025 | 12.44% | 12.44% | 13.48% | 10.41% | 1.29% |
| Q2 2025 | 12.87% | 12.87% | 13.91% | 10.63% | 1.48% |
| Q3 2025 | 13.33% | 13.33% | 14.41% | 10.92% | 1.41% |
| Q4 2025 | 13.15% | 13.15% | 14.21% | 10.97% | 1.38% |
| Q1 2026 | 13.39% | 13.39% | 14.47% | 11.03% | 1.32% |
| Q2 2026 | 14.03% | 14.03% | 15.13% | 11.16% | 1.26% |
FirstBank Southwest vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank 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 FirstBank Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3387) · FFIEC NIC profile (RSSD 840363)