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.
Reserve coverage of non-performing loans climbed 630.70 percentage points in Q2 2026, from 105.36% to 736.06%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Southwest Bank is 78th of 345 on return on assets, 1.93% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Southwest Bank reported 1.93% on return on assets in Q2 2026, 0.67 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.33% |
| Equity capital to assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.98% |
| Allowance for credit losses to loans | 2.52% |
| Reserve coverage of non-performing loans | 736.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 18.66% |
| Net interest margin | 5.56% |
| Efficiency ratio | 63.58% |
| Yield on earning assets | 6.40% |
| Cost of funds | 0.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.90% |
| Core deposits to total deposits | 94.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 18.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.42% | 2.70% | 6.10% | 0.80% | 0.19% |
| Q4 2023 | 11.23% | 2.93% | 6.04% | 0.67% | 0.90% |
| Q1 2024 | 11.48% | 2.52% | 5.86% | 1.60% | -0.01% |
| Q2 2024 | 11.33% | 2.95% | 6.23% | 1.08% | 0.01% |
| Q3 2024 | 11.37% | 3.00% | 6.43% | 0.98% | 0.42% |
| Q4 2024 | 11.74% | 2.34% | 6.05% | 0.37% | 1.52% |
| Q1 2025 | 11.46% | 1.07% | 5.81% | 0.43% | 0.01% |
| Q2 2025 | 11.25% | 1.33% | 5.91% | 0.37% | -0.06% |
| Q3 2025 | 11.55% | 1.84% | 5.92% | 2.85% | -0.00% |
| Q4 2025 | 11.35% | 2.20% | 5.32% | 2.75% | 4.94% |
| Q1 2026 | 11.24% | 1.92% | 5.31% | 2.38% | 0.03% |
| Q2 2026 | 11.33% | 1.93% | 5.56% | 0.34% | 0.00% |
Southwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16652) · FFIEC NIC profile (RSSD 561864)