Southwest Capital Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 8.8% higher than in Q1 2026, at $324.7M. Within New Mexico, Southwest Capital Bank is 15th of 20 on CET1 ratio, 15.73% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Southwest Capital Bank sits 0.66 points higher, at 15.73% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.73% |
| Tier 1 risk-based capital ratio | 15.73% |
| Total risk-based capital ratio | 16.72% |
| Tier 1 leverage ratio | 10.82% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $51.1M |
| Tier 1 capital | $51.1M |
| Total risk-based capital | $54.3M |
| Total equity capital | $47.3M |
| Risk-weighted assets | $324.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 3.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $24.1M |
| Retained earnings | $20.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.51% | 15.51% | 16.76% | 10.04% | $288.1M |
| Q4 2023 | — | — | — | 10.30% | — |
| Q1 2024 | — | — | — | 10.44% | — |
| Q2 2024 | — | — | — | 9.98% | — |
| Q3 2024 | — | — | — | 9.69% | — |
| Q4 2024 | 18.06% | 18.06% | 19.31% | 10.13% | $271.7M |
| Q1 2025 | 18.10% | 18.10% | 19.35% | 10.05% | $265.6M |
| Q2 2025 | 17.48% | 17.48% | 18.50% | 9.75% | $278.7M |
| Q3 2025 | 17.19% | 17.19% | 18.24% | 9.67% | $282.5M |
| Q4 2025 | 16.70% | 16.70% | 17.76% | 10.51% | $293.8M |
| Q1 2026 | 16.97% | 16.97% | 18.04% | 10.71% | $298.4M |
| Q2 2026 | 15.73% | 15.73% | 16.72% | 10.82% | $324.7M |
Southwest Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Capital Bank, freeSource: Call Report Schedule RC-R, 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12258) · FFIEC NIC profile (RSSD 206156)