BlastPoint's Banking Scorecard
Southwestern National Bank
Community
Specialty: Commercial
TX
FDIC cert 34319
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Southwestern National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+13.6% YoY
+7.2% QoQ
|
-$14.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.1B
+10.0% YoY
+1.2% QoQ
|
+$140.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.2B
+16.1% YoY
+7.7% QoQ
|
+$50.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.33%
+23.2% YoY
+3.0% QoQ
|
+0.16% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.76%
+17.4% YoY
+0.5% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
59.13%
-5.2% YoY
-1.8% QoQ
|
-3.50% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.40%
+847.4% YoY
+98.8% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
91.84%
-5.2% YoY
-6.0% QoQ
|
+8.78% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
16.83%
-4.0% YoY
+14.0% QoQ
|
-4.21% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.32%
+817.5% YoY
+87.7% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.60%
-1.3% YoY
+0.3% QoQ
|
+3.36% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.57%
-11.8% YoY
+30.2% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#225 of 513 · Bottom 44% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.84%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
64
64th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.60% · Tier avg: 10.24%
60
60th pctile
Efficiency Ratio
Current: 59.13% · Tier avg: 62.63%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.83% · Tier avg: 21.05%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.84% · Tier avg: 83.06%
Top Weaknesses
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.84% · Tier avg: 83.06%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.83% · Tier avg: 21.05%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
60
60th pctile
Efficiency Ratio
Current: 59.13% · Tier avg: 62.63%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.60% · Tier avg: 10.24%
64
64th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M