Southwest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southwest Bank of Odessa, TX against its peer group of 2672 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 | 1.93% | 1.35% | +0.58% | 83rd top |
| ROAE | 18.66% | 12.05% | +6.61% | 82nd top |
| Net Interest Margin | 5.56% | 3.90% | +1.66% | 98th top |
| Efficiency Ratio | 63.58% | 63.15% | +0.43% | 43rd below |
| PPNR / Avg Assets | 2.22% | 1.64% | +0.58% | 80th top |
| Yield on Earning Assets | 6.40% | 5.65% | +0.75% | 84th top |
| Cost of Funds | 0.93% | 1.85% | -0.92% | 93rd top |
| Net Interest Spread | 4.31% | 3.35% | +0.96% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.92% | -0.58% | 54th above |
| NPA / Total Assets | 0.25% | 0.67% | -0.42% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 2.52% | 1.28% | +1.24% | 97th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 736.06% | 1645.53% | -909.47% | 78th top |
| Texas Ratio | 1.98% | 7.15% | -5.17% | 63rd above |
| Provision / NCO | 2500.00% | 1188.41% | +1311.59% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.33% | 12.46% | -1.13% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.67% | -1.05% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.40% | -0.78% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.90% | 78.64% | +3.26% | 47th below |
| Core Deposit Ratio | 94.10% | 87.09% | +7.01% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.55% | 6.48% | -11.03% | 5th bottom |
| Loan Growth (Y/Y) | -0.08% | 7.64% | -7.72% | 22nd bottom |
| Deposit Growth (Y/Y) | -5.67% | 6.03% | -11.70% | 6th bottom |
See Southwest Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 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 Southwest Bank profile, how to read a UBPR, or how this data updates.