BlastPoint's Banking Scorecard
Southwest Bank of Weatherford
Micro
Specialty: Commercial
OK
FDIC cert 4076
Designations: ✓ Community bank
Weatherford, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Southwest Bank of Weatherford demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.27% 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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.7M
+3.4% YoY
-0.8% QoQ
|
-$138.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$48.7M
+11.0% YoY
+0.3% QoQ
|
-$90.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$67.5M
+3.9% YoY
-0.8% QoQ
|
-$116.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.13%
-13.8% YoY
-2.7% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.27%
-1.2% YoY
-0.2% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
64.41%
+1.8% YoY
+0.4% QoQ
|
-3.31% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
2.13%
+0.6% YoY
-43.6% QoQ
|
+1.49% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
72.15%
+6.8% YoY
+1.1% QoQ
|
-2.38% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
29.69%
-3.0% YoY
-1.2% QoQ
|
+7.29% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.32%
+8.1% YoY
-42.9% QoQ
|
+0.86% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
25.12%
-6.8% YoY
+1.2% QoQ
|
+16.27% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.41%
-8.4% YoY
+26.5% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.12%
(Tier avg: 8.85%, National avg: 9.75%)
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
93
93th pctile
Tier 1 Capital Ratio
Current: 25.12% · Tier avg: 8.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.69% · Tier avg: 22.39%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
55
55th pctile
Efficiency Ratio
Current: 64.41% · Tier avg: 67.73%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
42
42th pctile
Loan-to-Deposit Ratio
Current: 72.15% · Tier avg: 74.53%
19
19th pctile
Total Loans
Current: $48.7M · Tier avg: $139.2M
16
16th pctile
Total Deposits
Current: $67.5M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $78.7M · Tier avg: $217.5M
14
14th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.13% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.13% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
16
16th pctile
Total Assets
Current: $78.7M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.5M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $48.7M · Tier avg: $139.2M
42
42th pctile
Loan-to-Deposit Ratio
Current: 72.15% · Tier avg: 74.53%
54
54th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
55
55th pctile
Efficiency Ratio
Current: 64.41% · Tier avg: 67.73%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.69% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.12% · Tier avg: 8.85%