BlastPoint's Banking Scorecard
Bank of the Southwest
Micro
Specialty: Commercial
NM
FDIC cert 2247
Designations: ✓ Community bank
Roswell, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Bank of the Southwest demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.27% above tier
- + Non-Interest-Bearing Deposit Share 41.04% 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 ? |
$181.0M
+2.1% YoY
-3.1% QoQ
|
-$36.5M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$118.5M
+4.7% YoY
+2.9% QoQ
|
-$20.7M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$163.9M
+2.6% YoY
-3.0% QoQ
|
-$19.8M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.94%
-17.6% YoY
-12.0% QoQ
|
+0.86% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
7.12%
-2.9% YoY
+0.6% QoQ
|
+3.27% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
72.58%
+8.6% YoY
+5.0% QoQ
|
+4.85% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.25%
+78.8% YoY
-51.4% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
72.32%
+2.1% YoY
+6.1% QoQ
|
-2.21% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
63.43%
+3.5% YoY
-4.1% QoQ
|
+41.04% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-4.6% YoY
-27.1% QoQ
|
-0.06% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
15.06%
-4.6% YoY
-6.1% QoQ
|
+6.21% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.53%
-9.4% YoY
+31.1% QoQ
|
-0.03% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.12%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
63.43%
(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
100
100th pctile
Net Interest Margin
Current: 7.12% · Tier avg: 3.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.43% · Tier avg: 22.39%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
72
72th pctile
Tier 1 Capital Ratio
Current: 15.06% · Tier avg: 8.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
59
59th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
50
50th pctile
Total Loans
Current: $118.5M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $163.9M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $181.0M · Tier avg: $217.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.32% · Tier avg: 74.53%
34
34th pctile
Efficiency Ratio
Current: 72.58% · Tier avg: 67.73%
Top Weaknesses
34
34th pctile
Efficiency Ratio
Current: 72.58% · Tier avg: 67.73%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.32% · Tier avg: 74.53%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
46
46th pctile
Total Assets
Current: $181.0M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $163.9M · Tier avg: $183.7M
50
50th pctile
Total Loans
Current: $118.5M · Tier avg: $139.2M
59
59th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
72
72th pctile
Tier 1 Capital Ratio
Current: 15.06% · Tier avg: 8.85%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.43% · Tier avg: 22.39%
100
100th pctile
Net Interest Margin
Current: 7.12% · Tier avg: 3.85%