Southwestern National Bank
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Data as of · sourced from FFIEC call reports. How we update
Southwestern National Bank is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1997 (FDIC certificate 34319), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.39B, up 7.0% from Q2 2025, the 68th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.54% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34319
- Headquarters
- Houston, TX
- Established
- 1997
- Total assets, Q2 2026
- $1.39B
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 14.54%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 113024009
- Latest call report
- Q2 2026, FFIEC 051 · Southwestern National Bank call report
- Holding company
- SWNB BANCORP, INC.
- Asset rank in state
- 68th of 346 in Texas
Southwestern National Bank pays more for its money than most banks of its size. The Houston, Texas bank had $1.4 billion in assets at June 30, 2026, up 7.0% from a year earlier. It pays an average of 2.93% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $5.6 million, 31% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.42% of loans, against 0.16% a year earlier.
As of June 30, 2026, Southwestern National Bank reported a CET1 capital ratio of 14.54%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.67%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Southwestern National Bank is the 68th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $1.39B, loans rose 5.1% and deposits were flat. Non-owner-occupied commercial real estate loans made up 39.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 34.4%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities across 2 states; its Houston office books 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, Southwestern National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9601 Bellaire Blvd, Houston, TX 77036
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 3, 1997
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $14.1M
- Net charge-offs (YTD)
- $718K
- Average total assets
- $1.38B
- Average total loans
- $1.15B
- Average interest-bearing deposits
- $1.02B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 3, 1997
- FDIC Cert
- 34319
- Fed RSSD
- 2625724
- SEC CIK
- 1405778 → filed by SWNB BANCORP, INC.
- Website
- www.southwesternbank.com →
- Parent Holding Company
- SWNB BANCORP, INC. (RSSD 3234682)
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, Southwestern National Bank's total assets ranged from $1.02B (Q3 2023) to $1.39B (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
$1.39B total assets against $1.30B; $1.22B total liabilities against $1.16B.
$1.17B net loans and leases against $1.09B; $1.21B total deposits against $1.14B.
$47.3M securities against $45.3M; $135.7M cash and balances due against $132.2M.
$22.4M total interest income against $21.1M; $9.0M total interest expense against $9.7M.
$13.4M net interest income against $11.4M.
$2.7M total noninterest income against $1.6M; $8.5M total noninterest expense against $7.7M.
$881K provision for credit losses against $204K.
$5.6M net income against $4.3M.
1.62% return on assets against 1.33%; 4.04% net interest margin against 3.67%.
14.54% CET1 capital ratio against 13.31%; 12.41% tier 1 leverage ratio against 11.21%.
Inside the full Southwestern 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Southwestern National Bank rankings
Its closest position to the top of a national ranking is 175 of 980, for uninsured deposits; its furthest is 1,969 of 3,640, for Texas Ratio.
Metric pages for Southwestern National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.17% (Q3 2024) to 1.62% (Q2 2026) and its net interest margin ran from 3.09% (Q3 2024) to 4.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.54% | 1.62% | 0.42% | 2.67% | 4.04% |
| Q1 2026 | 14.80% | 1.30% | 0.43% | 2.68% | 3.80% |
| Q4 2025 | 13.60% | 1.46% | 0.40% | 1.52% | 3.81% |
| Q3 2025 | 13.56% | 1.33% | 0.20% | 1.38% | 3.81% |
| Q2 2025 | 13.31% | 1.33% | 0.16% | 1.13% | 3.67% |
| Q1 2025 | 13.17% | 1.19% | 0.02% | 0.14% | 3.55% |
| Q4 2024 | 13.78% | 1.19% | 0.04% | 0.29% | 3.53% |
| Q3 2024 | 13.93% | 1.17% | 0.14% | 0.94% | 3.09% |
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 |
|---|---|---|---|
| Southwestern National Bank (main office) | Houston , TX | 77036 | $532.1M |
| Plano Branch | Plano , TX | 75075 | $174.1M |
| Dallas Regional Office | Richardson , TX | 75080 | $157.3M |
| Wilshire Branch | Los Angeles , CA | 90010 | $94.5M |
| Anaheim Branch | Anaheim , CA | 92804 | $86.3M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $69.8M |
| San Mateo Branch | San Mateo , CA | 94402 | $39.6M |
| Austin Branch | Austin , TX | 78753 | $34.0M |
| Royal Lane Branch | Dallas , TX | 75229 | $24.9M |
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 |
|---|---|---|---|
| June 17, 2013 | Structure Change | Acquired Nevada National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- February 8, 2021, OCC: Formal Agreement: Southwestern National Bank
- March 24, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Southwestern National Bank
- May 19, 2010, OCC: Formal Agreement: Southwestern National Bank
- Period: Most recent institution action February 8, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 110 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 111 applications, 99 loans originated, $37.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 55 loans, $93.9M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Southwestern National Bank
What are Southwestern National Bank's total assets?
As of the Q2 2026 filing, Southwestern National Bank reported total assets of $1.39 billion in its FFIEC call report.
Where is Southwestern National Bank headquartered?
It is headquartered in Houston, TX, United States.
When was Southwestern National Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Southwestern National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwestern National Bank?
Southwestern National Bank's primary federal regulator is the OCC.
What is Southwestern National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Southwestern 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 Southwestern National Bank's Texas Ratio?
Its Texas Ratio is 2.67% 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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