BlastPoint's Banking Scorecard
FirstBank Southwest
Community
Specialty: Commercial
TX
FDIC cert 3387
Amarillo, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
FirstBank Southwest faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Credit Quality Pressure: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+0.6% YoY
-0.2% QoQ
|
+$464.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.3B
+0.6% YoY
+2.3% QoQ
|
+$362.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.6B
+2.5% YoY
+0.1% QoQ
|
+$483.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.42%
+9.2% YoY
-0.6% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.74%
+6.1% YoY
+1.3% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
64.05%
+1.2% YoY
+2.3% QoQ
|
+1.42% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.29%
+3.3% YoY
-3.0% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
81.21%
-1.8% YoY
+2.2% QoQ
|
-1.85% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.18%
+12.2% YoY
+7.8% QoQ
|
+3.14% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.31%
-0.4% YoY
+3.4% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
13.15%
+6.4% YoY
-1.4% QoQ
|
+2.91% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.59%
+1.8% YoY
+33.3% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#2 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#127 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.29%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.18% · Tier avg: 21.05%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.21% · Tier avg: 83.06%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
44
44th pctile
Efficiency Ratio
Current: 64.05% · Tier avg: 62.63%
Top Weaknesses
44
44th pctile
Efficiency Ratio
Current: 64.05% · Tier avg: 62.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.21% · Tier avg: 83.06%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.18% · Tier avg: 21.05%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B