Southwestern National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southwestern National Bank of Houston, TX against its peer group of 931 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 | 1.62% | 1.46% | +0.16% | 73rd above |
| ROAE | 13.37% | 12.72% | +0.65% | 58th above |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio | 53.15% | 57.41% | -4.26% | 65th above |
| PPNR / Avg Assets | 2.18% | 1.88% | +0.30% | 77th top |
| Yield on Earning Assets | 6.76% | 5.72% | +1.04% | 93rd top |
| Cost of Funds | 2.93% | 2.02% | +0.91% | 9th bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.16% | 3.18% | -0.02% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 1.00% | -0.63% | 68th above |
| NPA / Total Assets | 0.31% | 0.76% | -0.45% | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.16% | 0.43% | -0.27% | 22nd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.31% | -0.12% | 57th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 323.11% | 543.47% | -220.36% | 72nd above |
| Texas Ratio | 2.67% | 7.39% | -4.72% | 70th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 256.13% | 618.83% | -362.70% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.54% | 17.34% | -2.80% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.54% | 17.37% | -2.83% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.79% | 18.42% | -2.63% | 67th above |
| Leverage Ratio | 12.41% | 11.44% | +0.97% | 80th top |
| Equity / Assets | 12.20% | 11.33% | +0.87% | 77th top |
| TCE / Tangible Assets | 12.20% | 10.50% | +1.70% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.60% | 86.95% | +10.65% | 22nd bottom |
| Core Deposit Ratio | 73.84% | 85.56% | -11.72% | 12th bottom |
| Uninsured Deposit Ratio | 45.57% | 33.12% | +12.45% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.03% | 9.68% | -2.65% | 62nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.42% | 8.06% | -0.64% | 61st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.77% | 7.87% | -1.10% | 61st above |
See Southwestern National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southwestern National 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 Southwestern National Bank profile, how to read a UBPR, or how this data updates.