Southwest Bank of Weatherford
Southwest Bank of Weatherford is an FDIC-insured commercial bank headquartered in Weatherford, OK, supervised by the Federal Reserve, with $86.0M in total assets at Q2 2026, up 10.4% from Q2 2025, the 137th largest of 169 banks headquartered in Oklahoma. It was established in 1907 and holds FDIC certificate 4076. Its CET1 capital ratio was 25.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4076
- Headquarters
- Weatherford, OK
- Established
- 1907
- Total assets, Q2 2026
- $86.0M
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 25.73%
- Domestic offices
- 1 · Southwest Bank of Weatherford branches FDIC institution directory, current count
- Routing number
- 103104298
- Safety and soundness
- Is Southwest Bank of Weatherford safe?
- Latest call report
- Q2 2026, FFIEC 051 · Southwest Bank of Weatherford Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- FIRST FARM CREDIT CORPORATION
- Asset rank in state
- 137th of 169 in Oklahoma
Southwest Bank of Weatherford, based in Weatherford, Oklahoma, reported $86 million in assets at June 30, 2026, up 10.4% from a year earlier. It grew deposits 11.9% over the year, 4.7 times the median of 2.5% for the 533 banks with less than $100 million in assets. It also carries problem assets equal to 9.8% of the capital and reserves that would absorb them, 5.1 times the median of 1.9% for banks its size.
Earnings jumped: net income for the quarter was $288,000, 34% above the same quarter a year earlier. Over the same year, loans shrank 2.3% and deposits grew 11.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Southwest Bank of Weatherford reported a CET1 capital ratio of 25.73%, a return on assets of 1.37%, a nonperforming-loan ratio of 2.47% and a Texas ratio of 9.81%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Southwest Bank of Weatherford is the 137th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.7% to $86.0M, loans fell 6.8% and deposits rose 3.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.1% of total loans, ahead of owner-occupied commercial real estate loans at 14.6%. Its one office in the FDIC Summary of Deposits is in Weatherford, OK. On its Q2 2026 call report, Southwest Bank of Weatherford meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 720 E Main St, Weatherford, OK 73096
- County
- Custer
- Metro Area
- Weatherford, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 4, 1907
- Former names
- Southwest National Bank (1995-2017)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $75.0M
- Allowance for credit losses
- $818K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $84.2M
- Average total loans
- $49.2M
- Average interest-bearing deposits
- $51.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4076
- Fed RSSD
- 1014059
- Website
- www.swnbank.com →
- Parent Holding Company
- FIRST FARM CREDIT CORPORATION (RSSD 1052350)
- Ultimate Parent
- SOUTHWEST CAPITAL, L.L.C. (RSSD 2912312)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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
Southwest Bank of Weatherford's total assets moved between a low of $76.1M (Q4 2024) and a high of $86.0M (Q2 2026) from Q3 2023 to Q2 2026, 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
$86.0M total assets against $77.9M; $75.1M total liabilities against $67.2M.
$45.8M net loans and leases against $47.0M; $75.0M total deposits against $67.0M.
$7.4M securities against $9.2M; $31.4M cash and balances due against $20.2M.
$1.2M total interest income against $1.1M; $322K total interest expense against $306K.
$830K net interest income against $830K.
$96K total noninterest income against $83K; $540K total noninterest expense against $592K.
$0 provision for credit losses against $15K.
$288K net income against $215K.
1.37% return on assets against 1.11%; 4.03% net interest margin against 4.35%.
25.73% CET1 capital ratio against 24.82%; 13.52% tier 1 leverage ratio against 14.47%.
Inside the full Southwest Bank of Weatherford terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.94% (Q3 2025) to 1.47% (Q1 2025) and its net interest margin ran from 4.03% (Q1 2025) to 4.35% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.73% | 1.37% | 2.47% | 9.81% | 4.03% |
| Q1 2026 | 23.93% | 1.37% | 2.33% | 10.18% | 4.03% |
| Q4 2025 | 25.12% | 1.02% | 2.09% | 8.63% | 4.12% |
| Q3 2025 | 24.82% | 0.94% | 3.71% | 15.55% | 4.27% |
| Q2 2025 | 24.82% | 1.11% | 2.41% | 10.06% | 4.35% |
| Q1 2025 | 24.78% | 1.47% | 2.03% | 8.45% | 4.03% |
| Q4 2024 | 26.95% | 1.30% | 2.08% | 7.85% | 4.21% |
| Q3 2024 | 25.71% | 1.16% | 1.77% | 6.83% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Southwest Bank of Weatherford (main office) | Weatherford , OK | 73096 | $75.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 156 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $51K approved, $51K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 Southwest Bank of Weatherford
What are Southwest Bank of Weatherford's total assets?
As of the Q2 2026 filing, Southwest Bank of Weatherford reported total assets of $86.0 million in its FFIEC call report.
Where is Southwest Bank of Weatherford headquartered?
It is headquartered in Weatherford, OK, United States.
When was Southwest Bank of Weatherford founded?
It was established in 1907, per the FDIC institution directory.
Is Southwest Bank of Weatherford FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4076). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwest Bank of Weatherford?
Southwest Bank of Weatherford's primary federal regulator is the Federal Reserve.
What is Southwest Bank of Weatherford's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Southwest Bank of Weatherford operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southwest Bank of Weatherford's Texas Ratio?
Its Texas Ratio is 9.81% 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 Southwest Bank of Weatherford previously called?
The charter now named Southwest Bank of Weatherford has also operated as Southwest National Bank (1995-2017), per FDIC structure-change records.
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