BlastPoint's Banking Scorecard
Southwest Capital Bank
Micro
Specialty: Commercial
NM
FDIC cert 12258
Designations: ✓ Community bank
Albuquerque, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Southwest Capital Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.41% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.4M
+0.2% YoY
-2.5% QoQ
|
+$259.9M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$201.4M
+14.9% YoY
+4.6% QoQ
|
+$62.3M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$428.5M
-0.7% YoY
-3.4% QoQ
|
+$244.8M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.80%
+11.3% YoY
-7.0% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
4.33%
+2.7% YoY
+1.9% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
64.46%
-6.6% YoY
+1.5% QoQ
|
-3.26% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
2.17%
+84.4% YoY
+48.2% QoQ
|
+1.53% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
47.01%
+15.8% YoY
+8.4% QoQ
|
-27.52% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.80%
+14.2% YoY
+17.6% QoQ
|
+17.41% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.92%
+111.6% YoY
+59.0% QoQ
|
+0.46% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
16.70%
-7.5% YoY
-2.9% QoQ
|
+7.85% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.30%
-40.3% YoY
+28.2% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.80%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $428.5M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $477.4M · Tier avg: $217.5M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.80% · Tier avg: 22.39%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.01% · Tier avg: 74.53%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.70% · Tier avg: 8.85%
75
75th pctile
Total Loans
Current: $201.4M · Tier avg: $139.2M
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
54
54th pctile
Efficiency Ratio
Current: 64.46% · Tier avg: 67.73%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.17% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.17% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.45%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
54
54th pctile
Efficiency Ratio
Current: 64.46% · Tier avg: 67.73%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
75
75th pctile
Total Loans
Current: $201.4M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.70% · Tier avg: 8.85%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.01% · Tier avg: 74.53%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.80% · Tier avg: 22.39%
97
97th pctile
Total Assets
Current: $477.4M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $428.5M · Tier avg: $183.7M