Southwest National Bank
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Data as of · sourced from FFIEC call reports. How we update
Southwest National Bank is an FDIC-insured commercial bank headquartered in Wichita, KS, established in 1915 (FDIC certificate 4801), and it is supervised by the OCC. At Q2 2026 it reported total assets of $502.1M, down 5.7% from Q2 2025, the 43rd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4801
- Headquarters
- Wichita, KS
- Established
- 1915
- Total assets, Q2 2026
- $502.1M
- Assets vs Q2 2025
- -5.7%
- Tier 1 leverage ratio, Q2 2026
- 10.32%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 101100618
- Latest call report
- Q2 2026, FFIEC 051 · Southwest National Bank call report
- Holding company
- REPUBLIC FINANCIAL CORPORATION
- Asset rank in state
- 43rd of 182 in Kansas
Southwest National Bank, based in Wichita, Kansas, reported $502 million in assets at June 30, 2026, down 5.7% from a year earlier. It lost 9.3% of its deposits over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also keeps 4.55 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
Net income for the quarter slipped 12% from a year earlier, to $1.5 million. Over the same year, loans shrank 2.5% and deposits shrank 9.3%. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Southwest National Bank reported a return on assets of 1.22%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.63%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Southwest National Bank is the 43rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $502.1M, loans rose 1.6% and deposits fell 3.6%. Auto loans made up 48.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.4%. The FDIC Summary of Deposits lists 9 offices for it, in Wichita, KS. By the capital ratios in its Q2 2026 call report, Southwest National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 E Douglas Ave, Wichita, KS 67202
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 110
- Domestic deposits
- $403.8M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $608K
- Average total assets
- $496.2M
- Average total loans
- $428.0M
- Average interest-bearing deposits
- $319.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4801
- Fed RSSD
- 499855
- Website
- www.southwestnb.com →
- Parent Holding Company
- REPUBLIC FINANCIAL CORPORATION (RSSD 1131451)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Southwest National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Southwest National Bank's total assets moved between a low of $501.7M (Q1 2026) and a high of $569.5M (Q1 2024) 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
$502.1M total assets against $532.6M; $452.9M total liabilities against $482.5M.
$429.9M net loans and leases against $440.7M; $403.8M total deposits against $445.1M.
$32.6M securities against $31.6M; $12.3M cash and balances due against $35.2M.
$7.2M total interest income against $7.8M; $1.9M total interest expense against $2.6M.
$5.2M net interest income against $5.2M.
$1.1M total noninterest income against $1.0M; $4.5M total noninterest expense against $4.3M.
$261K provision for credit losses against $189K.
$1.5M net income against $1.7M.
1.22% return on assets against 1.31%; 4.55% net interest margin against 4.25%.
10.32% tier 1 leverage ratio against 10.07%.
Inside the full Southwest National 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Southwest National Bank rankings
Its closest position to the top of a national ranking is 1,775 of 4,196, for total assets; its furthest is 2,890 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.31% (Q4 2025) and its net interest margin ran from 3.66% (Q3 2024) to 4.55% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.22% | 0.08% | 0.63% | 4.55% |
| Q1 2026 | 10.05% | 1.06% | 0.11% | 0.86% | 4.33% |
| Q4 2025 | 9.92% | 1.31% | 0.08% | 0.67% | 4.46% |
| Q3 2025 | 10.15% | 1.26% | 0.16% | 1.23% | 4.30% |
| Q2 2025 | 10.07% | 1.31% | 0.14% | 1.15% | 4.25% |
| Q1 2025 | 9.87% | 1.08% | 0.16% | 2.21% | 4.17% |
| Q4 2024 | 9.69% | 1.06% | 0.29% | 3.49% | 4.05% |
| Q3 2024 | 9.50% | 0.81% | 0.34% | 2.92% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Twin Lakes Branch | Wichita , KS | 67203 | $193.8M |
| Towne West Branch | Wichita , KS | 67209 | $48.9M |
| Towne East Branch | Wichita , KS | 67207 | $43.6M |
| Southwest National Bank (main office) | Wichita , KS | 67202 | $40.4M |
| Indian Hills Branch | Wichita , KS | 67203 | $29.9M |
| Tyler Crossing Branch | Wichita , KS | 67205 | $26.2M |
| South Seneca Branch | Wichita , KS | 67217 | $12.1M |
| Motor Bank Branch | Wichita , KS | 67202 | $8.9M |
| Bradley Fair Branch | Wichita , KS | 67206 | $4K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 18, 2004 | Structure Change | Acquired Twin Lakes National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 17, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 11, 1993, OCC: Formal Agreement: Southwest Kansas National Bank
- Period: Most recent institution action August 11, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in KS, rank 59 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $148K approved, $148K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank
What are Southwest National Bank's total assets?
As of the Q2 2026 filing, Southwest National Bank reported total assets of $502.1 million in its FFIEC call report.
Where is Southwest National Bank headquartered?
It is headquartered in Wichita, KS, United States.
When was Southwest National Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Southwest National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwest National Bank?
Southwest National Bank's primary federal regulator is the OCC.
How many branches does Southwest National Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southwest National Bank's Texas Ratio?
Its Texas Ratio is 0.63% 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.
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