Southwest Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southwest Capital Bank of Albuquerque, NM 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 11.59% | 13.32% | -1.73% | 45th below |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 70.33% | 61.14% | +9.19% | 27th below |
| PPNR / Avg Assets | 1.18% | 1.68% | -0.50% | 28th below |
| Yield on Earning Assets | 4.80% | 5.67% | -0.87% | 16th bottom |
| Cost of Funds | 0.69% | 1.88% | -1.19% | 97th top |
| Net Interest Spread | 3.71% | 3.32% | +0.39% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.67% | 0.94% | +0.73% | 16th bottom |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 76.50% | 1539.42% | -1462.92% | 20th bottom |
| Texas Ratio | 8.01% | 7.33% | +0.68% | 28th below |
| Provision / NCO | 1013.33% | 1395.76% | -382.43% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.73% | 19.50% | -3.77% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.73% | 19.54% | -3.81% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.72% | 20.62% | -3.90% | 54th above |
| Leverage Ratio | 10.82% | 12.14% | -1.32% | 47th below |
| Equity / Assets | 9.80% | 11.38% | -1.58% | 41st below |
| TCE / Tangible Assets | 9.80% | 11.09% | -1.29% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.89% | 80.65% | -24.76% | 87th top |
| Core Deposit Ratio | 95.36% | 86.86% | +8.50% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.74% | 6.86% | -11.60% | 5th bottom |
| Loan Growth (Y/Y) | 30.15% | 7.89% | +22.26% | 97th top |
| Deposit Growth (Y/Y) | -6.38% | 6.29% | -12.67% | 5th bottom |
See Southwest Capital Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southwest Capital 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 Capital Bank profile, how to read a UBPR, or how this data updates.