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Southwest Bank

Community Specialty: Commercial TX FDIC cert 16652

Odessa, TX

1484 banks in Community tier nationally 136 in TX
View Community leaderboard (TX) →

Southwest Bank has 2 strengths but faces 4 concerns

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 1% in Community
  • + Revenue Diversifier: Top 50% in Community

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 19% in Community
  • - Capital Thin: Bottom 39% in Community
  • - Delinquency Rate 2.19% above tier
  • - Nonperforming Asset Ratio 1.58% above tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $715.6M
+3.6% YoY -1.4% QoQ
-$675.8M $1.4B
+2.0% YoY
$2.3B
-0.7% YoY
$5.9B
+6.5% YoY
28%
Total Loans ? $479.9M
-2.2% YoY +0.2% QoQ
-$495.5M $975.5M
+2.4% YoY
$1.0B
+7.5% YoY
$3.1B
+8.5% YoY
28%
Total Deposits ? $633.1M
+3.3% YoY -1.4% QoQ
-$531.5M $1.2B
+1.7% YoY
$1.9B
+2.1% YoY
$4.7B
+6.3% YoY
31%
Return on Assets ? 1.64%
-40.6% YoY +13.7% QoQ
+0.47% 1.16%
+17.2% YoY
1.40%
+9.8% YoY
1.12%
+15.6% YoY
80%
Net Interest Margin ? 5.92%
-6.5% YoY -2.1% QoQ
+2.25% 3.66%
+9.1% YoY
4.07%
+5.6% YoY
3.75%
+7.1% YoY
Top 2% in tier
Efficiency Ratio ? 56.67%
+4.8% YoY +2.8% QoQ
-5.96% 62.63%
-5.3% YoY
61.95%
-3.4% YoY
65.09%
-5.1% YoY
68%
Delinquency Rate ? 2.82%
+656.7% YoY -10.4% QoQ
+2.19% 0.63%
+18.3% YoY
0.57%
+45.3% YoY
0.66%
+20.3% YoY
Bottom 5% in tier
Loan-to-Deposit Ratio ? 75.81%
-5.3% YoY +1.6% QoQ
-7.25% 83.06%
+0.3% YoY
67.65%
-1.7% YoY
78.04%
+0.7% YoY
70%
Non-Interest-Bearing Deposit Share ? 54.62%
-4.8% YoY -2.1% QoQ
+33.58% 21.05%
-0.9% YoY
29.04%
-1.4% YoY
21.79%
-1.3% YoY
Top 1% in tier
Nonperforming Asset Ratio ? 2.08%
+326.7% YoY -9.1% QoQ
+1.58% 0.50%
+20.3% YoY
0.42%
+34.9% YoY
0.48%
+20.8% YoY
Bottom 6% in tier
Tier 1 Capital Ratio ? 0.00% -10.24% 10.24%
-0.6% YoY
10.86%
-2.2% YoY
9.75%
-1.9% YoY
29%
Non-Interest Income / Assets ? 0.96%
+3.4% YoY +45.2% QoQ
+0.22% 0.74%
-1.3% YoY
0.87%
+17.4% YoY
0.65%
+0.6% YoY
85%

Signature Analysis

Strengths (2)

Deposit Franchise

growth
#1 of 150 · Top 1% in Community

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 54.62%
(Tier: 21.05%, National: 21.79%)
better than tier avg
Net Interest Margin: 5.92%
(Tier: 3.66%, National: 3.75%)
better than tier avg
150 of 150 Community banks match · 176 nationally
→ Stable +2 banks QoQ

Revenue Diversifier

growth
#186 of 371 · Top 50% in Community

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.96%
(Tier: 0.74%, National: 0.65%)
better than tier avg
Return on Assets: 1.64%
(Tier: 1.16%, National: 1.12%)
better than tier avg
371 of 371 Community banks match · 441 nationally
→ Stable +4 banks QoQ | QoQ rank improving

Concerns (4)

Margin Compression

decline
#24 of 120 · Bottom 19% in Community

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.64%
(Tier: 1.16%, National: 1.12%)
better than tier avg
120 of 120 Community banks match · 147 nationally
→ Stable -9 banks QoQ | QoQ rank declining

Capital Thin

risk
#169 of 432 · Bottom 39% in Community

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Risk-Based Capital Ratio: 0.00%
(Tier: 10.24%, National: 9.75%)
worse than tier avg
432 of 432 Community banks match · 505 nationally
→ Stable +11 banks QoQ | QoQ rank declining

Delinquency Rate

metric
Bottom 5% in Community
Why this stands out
Current: 2.82%
(Tier avg: 0.63%, National avg: 0.66%)

Nonperforming Asset Ratio

metric
Bottom 6% in Community
Why this stands out
Current: 2.08%
(Tier avg: 0.50%, National avg: 0.48%)

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%

Comparing against 1484 peers in Community tier

Top Strengths

99
Non-Interest-Bearing Deposit Share
Current: 54.62% · Tier avg: 21.05%
99th pctile
98
Net Interest Margin
Current: 5.92% · Tier avg: 3.66%
98th pctile
85
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.74%
85th pctile
80
Return on Assets
Current: 1.64% · Tier avg: 1.16%
80th pctile
70
Loan-to-Deposit Ratio
Current: 75.81% · Tier avg: 83.06%
70th pctile
68
Efficiency Ratio
Current: 56.67% · Tier avg: 62.63%
68th pctile
31
Total Deposits
Current: $633.1M · Tier avg: $1.2B
31th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
28
Total Assets
Current: $715.6M · Tier avg: $1.4B
28th pctile
28
Total Loans
Current: $479.9M · Tier avg: $975.5M
28th pctile
6
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
6th pctile
5
Delinquency Rate
Current: 2.82% · Tier avg: 0.63%
5th pctile

Top Weaknesses

5
Delinquency Rate
Current: 2.82% · Tier avg: 0.63%
5th pctile
6
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
6th pctile
28
Total Loans
Current: $479.9M · Tier avg: $975.5M
28th pctile
28
Total Assets
Current: $715.6M · Tier avg: $1.4B
28th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
31
Total Deposits
Current: $633.1M · Tier avg: $1.2B
31th pctile
68
Efficiency Ratio
Current: 56.67% · Tier avg: 62.63%
68th pctile
70
Loan-to-Deposit Ratio
Current: 75.81% · Tier avg: 83.06%
70th pctile
80
Return on Assets
Current: 1.64% · Tier avg: 1.16%
80th pctile
85
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.74%
85th pctile
98
Net Interest Margin
Current: 5.92% · Tier avg: 3.66%
98th pctile
99
Non-Interest-Bearing Deposit Share
Current: 54.62% · Tier avg: 21.05%
99th pctile
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