BlastPoint's Banking Scorecard
Southwest National Bank
Community
Specialty: Commercial
KS
FDIC cert 4801
Wichita, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Southwest National Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3% in Community
- - Liquidity Strain: Bottom 4% in Community
- - Deposit Outflow: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$513.2M
-4.1% YoY
-0.6% QoQ
|
-$878.3M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$419.0M
-8.6% YoY
-1.5% QoQ
|
-$556.5M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$427.6M
-4.6% YoY
-0.2% QoQ
|
-$737.0M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.23%
+41.9% YoY
+2.2% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.28%
+13.3% YoY
+1.5% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
68.61%
-8.9% YoY
-1.3% QoQ
|
+5.98% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.08%
-71.5% YoY
-46.7% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
97.98%
-4.1% YoY
-1.3% QoQ
|
+14.92% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
20.96%
+6.2% YoY
+6.5% QoQ
|
-0.08% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.07%
-80.3% YoY
-47.2% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.80%
+23.6% YoY
+33.1% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#12 of 432 · Bottom 3% 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%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Liquidity Strain
risk
#19 of 513 · Bottom 4% 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:
97.98%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#116 of 248 · Bottom 47% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
59
59th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.96% · Tier avg: 21.05%
30
30th pctile
Efficiency Ratio
Current: 68.61% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Total Loans
Current: $419.0M · Tier avg: $975.5M
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.98% · Tier avg: 83.06%
3
3th pctile
Total Deposits
Current: $427.6M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $513.2M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $513.2M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $427.6M · Tier avg: $1.2B
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.98% · Tier avg: 83.06%
18
18th pctile
Total Loans
Current: $419.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Efficiency Ratio
Current: 68.61% · Tier avg: 62.63%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.96% · Tier avg: 21.05%
59
59th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%