BlastPoint's Banking Scorecard
First Southwest Bank
Community
Specialty: Commercial
CO
FDIC cert 57741
Durango, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
First Southwest Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20% in Community
- + Tier 1 Capital Ratio 16.83% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 29% in Community
- - Liquidity Overhang: Bottom 33% in Community
- - Cost Spiral: Bottom 90% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$663.5M
+17.3% YoY
+1.4% QoQ
|
-$727.9M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$329.4M
+10.4% YoY
+4.5% QoQ
|
-$646.0M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$497.0M
+25.3% YoY
+3.2% QoQ
|
-$667.6M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.81%
-25.2% YoY
+27.1% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.34%
-2.7% YoY
+0.8% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
71.88%
+11.4% YoY
-6.1% QoQ
|
+9.25% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.12%
-3.0% YoY
+110.0% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
66.28%
-11.9% YoY
+1.3% QoQ
|
-16.79% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
16.91%
-1.2% YoY
+14.6% QoQ
|
-4.14% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.06%
-8.7% YoY
+116.4% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
27.08%
-18.8% YoY
-11.9% QoQ
|
+16.83% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
1.05%
-39.7% YoY
+53.6% QoQ
|
+0.31% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#76 of 371 · Top 20% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
27.08%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Margin Compression
decline
#35 of 120 · Bottom 29% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Liquidity Overhang
risk
#90 of 268 · Bottom 33% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
27.08%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
66.28%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#36 of 40 · Bottom 90% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
71.88%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 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
98
98th pctile
Tier 1 Capital Ratio
Current: 27.08% · Tier avg: 10.24%
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.91% · Tier avg: 21.05%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
24
24th pctile
Total Assets
Current: $663.5M · Tier avg: $1.4B
23
23th pctile
Efficiency Ratio
Current: 71.88% · Tier avg: 62.63%
15
15th pctile
Loan-to-Deposit Ratio
Current: 66.28% · Tier avg: 83.06%
13
13th pctile
Total Deposits
Current: $497.0M · Tier avg: $1.2B
7
7th pctile
Total Loans
Current: $329.4M · Tier avg: $975.5M
Top Weaknesses
7
7th pctile
Total Loans
Current: $329.4M · Tier avg: $975.5M
13
13th pctile
Total Deposits
Current: $497.0M · Tier avg: $1.2B
15
15th pctile
Loan-to-Deposit Ratio
Current: 66.28% · Tier avg: 83.06%
23
23th pctile
Efficiency Ratio
Current: 71.88% · Tier avg: 62.63%
24
24th pctile
Total Assets
Current: $663.5M · Tier avg: $1.4B
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.91% · Tier avg: 21.05%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
98
98th pctile
Tier 1 Capital Ratio
Current: 27.08% · Tier avg: 10.24%