Southwestern National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.10 percentage points higher than in Q1 2026, at 323.11%. Southwestern National Bank ranks 140th of 345 Texas banks on return on assets, in the upper half at 1.62% (Q2 2026). Southwestern National Bank reported 1.62% on return on assets for Q2 2026, 0.34 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.54% |
| Tier 1 risk-based capital ratio | 14.54% |
| Total risk-based capital ratio | 15.79% |
| Tier 1 leverage ratio | 12.41% |
| Equity capital to assets | 12.20% |
| Tangible equity to tangible assets | 12.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 2.67% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 323.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 13.37% |
| Net interest margin | 4.04% |
| Efficiency ratio | 53.15% |
| Yield on earning assets | 6.76% |
| Cost of funds | 2.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.60% |
| Core deposits to total deposits | 73.84% |
| Brokered deposits to total deposits | 3.72% |
| Deposits to assets | 87.14% |
| Securities to assets | 3.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.96% | 13.96% | 15.21% | 12.17% | 0.73% |
| Q4 2023 | 13.97% | 13.97% | 15.22% | 11.81% | 0.82% |
| Q1 2024 | 13.59% | 13.59% | 14.84% | 11.63% | 0.78% |
| Q2 2024 | 13.63% | 13.63% | 14.88% | 11.21% | 1.15% |
| Q3 2024 | 13.93% | 13.93% | 15.18% | 11.22% | 1.17% |
| Q4 2024 | 13.78% | 13.78% | 15.03% | 11.77% | 1.19% |
| Q1 2025 | 13.17% | 13.17% | 14.42% | 11.53% | 1.19% |
| Q2 2025 | 13.31% | 13.31% | 14.56% | 11.21% | 1.33% |
| Q3 2025 | 13.56% | 13.56% | 14.78% | 11.54% | 1.33% |
| Q4 2025 | 13.60% | 13.60% | 14.79% | 11.53% | 1.46% |
| Q1 2026 | 14.80% | 14.80% | 16.05% | 11.95% | 1.30% |
| Q2 2026 | 14.54% | 14.54% | 15.79% | 12.41% | 1.62% |
Southwestern National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwestern National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Southwestern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34319) · FFIEC NIC profile (RSSD 2625724)