Southwest Capital Bank
BankRegReports is independent of Southwest Capital Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Southwest Capital Bank is an FDIC-insured commercial bank headquartered in Albuquerque, NM, established in 1890 (FDIC certificate 12258), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $482.9M, down 4.7% from Q2 2025, the 12th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 15.73% 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
- 12258
- Headquarters
- Albuquerque, NM
- Established
- 1890
- Total assets, Q2 2026
- $482.9M
- Assets vs Q2 2025
- -4.7%
- CET1 ratio, Q2 2026
- 15.73%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 107000372
- Latest call report
- Q2 2026, FFIEC 051 · Southwest Capital Bank call report
- Holding company
- LAS VEGAS BANCORPORATION, INC.
- Asset rank in state
- 12th of 29 in New Mexico
Problem loans are rising at Southwest Capital Bank. Its balance sheet stood at $483 million at June 30, 2026, down 4.7% from a year earlier; it is based in Albuquerque, New Mexico. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.66% of loans from 0.45% a year earlier. It pays an average of 0.69% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 30.1% over the year, 5.5 times the median of 5.5% for banks its size.
Earnings fell sharply: quarterly net income of $1.4 million was 60% below a year earlier. Over the same year, loans grew 30.1% and deposits shrank 6.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Southwest Capital Bank reported a CET1 capital ratio of 15.73%, a return on assets of 1.15%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 7.95%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in New Mexico, Southwest Capital Bank is the 12th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $482.9M, loans rose 14.5% and deposits rose 2.2%. Non-owner-occupied commercial real estate loans made up 43.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 27.9%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in NM; its Las Vegas 3 offices book 49% of its branch deposits. Judged on its Q2 2026 call report, Southwest Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1410 Central Ave Sw, Albuquerque, NM 87104
- County
- Bernalillo
- Metro Area
- Albuquerque, NM
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 1, 1890
- Former names
- The Bank of Las Vegas (1965-2012)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $432.3M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $472.3M
- Average total loans
- $227.1M
- Average interest-bearing deposits
- $270.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12258
- Fed RSSD
- 206156
- Website
- www.southwestcapital.com →
- Parent Holding Company
- LAS VEGAS BANCORPORATION, INC. (RSSD 1060168)
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, Southwest Capital Bank's total assets ranged from $433.8M (Q1 2024) to $506.9M (Q2 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
$482.9M total assets against $506.9M; $435.6M total liabilities against $463.2M.
$238.5M net loans and leases against $183.0M; $432.3M total deposits against $461.7M.
$200.2M securities against $190.3M; $25.8M cash and balances due against $116.7M.
$5.4M total interest income against $5.6M; $741K total interest expense against $616K.
$4.7M net interest income against $5.0M.
$212K total noninterest income against $383K; $3.5M total noninterest expense against $3.4M.
$36K provision for credit losses against -$1.4M.
$1.4M net income against $3.4M.
1.15% return on assets against 2.69%; 4.16% net interest margin against 4.19%.
15.73% CET1 capital ratio against 17.48%; 10.82% tier 1 leverage ratio against 9.75%.
Inside the full Southwest Capital Bank 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Southwest Capital Bank rankings
Its closest position to the top of a national ranking is 844 of 3,640, for Texas Ratio; its furthest is 2,769 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q2 2026) to 3.02% (Q4 2024) and its net interest margin ran from 4.12% (Q1 2026) to 4.69% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.73% | 1.15% | 1.66% | 7.95% | 4.16% |
| Q1 2026 | 16.97% | 1.33% | 2.07% | 8.81% | 4.12% |
| Q4 2025 | 16.70% | 1.43% | 2.14% | 9.03% | 4.69% |
| Q3 2025 | 17.19% | 1.44% | 1.44% | 6.00% | 4.26% |
| Q2 2025 | 17.48% | 2.69% | 0.45% | 1.79% | 4.19% |
| Q1 2025 | 18.10% | 1.66% | 0.46% | 1.78% | 4.20% |
| Q4 2024 | 18.06% | 3.02% | 1.15% | 4.39% | 4.55% |
| Q3 2024 | — | 1.56% | 4.18% | 17.54% | 4.30% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Douglas Avenue Branch | Las Vegas , NM | 87701 | $186.6M |
| Southwest Capital Bank (main office) | Albuquerque , NM | 87104 | $137.5M |
| Mora Branch | Mora , NM | 87732 | $65.3M |
| Hot Springs Branch | Las Vegas , NM | 87701 | $21.4M |
| Pecos Branch | Pecos , NM | 87552 | $19.0M |
| Mountain View Branch | Las Vegas , NM | 87701 | $2.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in NM, rank 23 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $640K approved, $640K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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
Add this badge to your website
Free to use. It shows Southwest Capital Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Southwest Capital Bank with peers
Frequently asked about Southwest Capital Bank
What are Southwest Capital Bank's total assets?
As of the Q2 2026 filing, Southwest Capital Bank reported total assets of $482.9 million in its FFIEC call report.
Where is Southwest Capital Bank headquartered?
It is headquartered in Albuquerque, NM, United States.
When was Southwest Capital Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Southwest Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwest Capital Bank?
Southwest Capital Bank's primary federal regulator is the FDIC.
What is Southwest Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Southwest Capital Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southwest Capital Bank's Texas Ratio?
Its Texas Ratio is 7.95% 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 Capital Bank previously called?
The charter now named Southwest Capital Bank has also operated as The Bank of Las Vegas (1965-2012), per FDIC structure-change records.
Go deeper on Southwest Capital Bank.
Get an email when Southwest Capital Bank files its next call report, and benchmark it against any peer you choose.
Unlock Southwest Capital Bank, freeFree account