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Southwest Capital Bank

Albuquerque, NM · Cert 12258 · Las Vegas Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southwest Capital Bank

Albuquerque, NM · Cert 12258 · Las Vegas Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$482.9MAssets
$241.6MLoans
$432.3MDeposits
$47.3MEquity
Loan mix
79%RE $166.1M21%C&I $44.9M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $266.2M38%Noninterest $166.0MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.41%Q2 ’254.54%Q2 ’26+11%+0%

Non-interest income vs. expense

3.17%Q2 ’242.70%Q2 ’252.93%Q2 ’26-10%+15%

Market Position · Albuquerque, NM · 2026 SOD (annual) · 0.7% share · #17 of 26 inst. · $0.1B of $19.8B

36.2% San Miguel
0.8% Bernalillo
54.0% Mora

Executive Summary

  • Earnings: ROA of 0.96%, down 74 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 1.66% of loans (+121 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.82%, up 106 bps from a year ago.
  • Funding: loans stand at 55.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+2 bps YoY

Efficiency Ratio (YTD, annualized)

70.33%+732 bps YoY

Tier 1 Leverage Ratio

10.82%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.52%1.42%1.04%0.96%-74 bps
Return on Equity19.51%17.30%15.90%10.73%9.90%-960 bps
Net Interest Margin3.94%3.98%4.34%3.94%3.96%+2 bps
Efficiency Ratio63.01%63.53%64.46%69.16%70.33%+732 bps
Non-Interest Burden2.36%2.42%2.69%2.65%2.72%+36 bps
Growth
Asset Growth (YoY)6.83%1.09%0.20%-5.60%-4.74%-1,157 bps
Loan Growth (YoY)3.81%7.88%13.98%17.79%30.15%+2,634 bps
Deposit Growth (YoY)6.39%0.70%-0.72%-6.98%-6.38%-1,276 bps
Asset Quality
Nonperforming Loans / Loans0.45%1.44%2.14%2.07%1.66%+121 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.01%+2 bps
Allowance / Loans1.44%1.44%1.45%1.44%1.28%-16 bps
Allowance Coverage of NPLs3.2x1.0x0.7x0.7x0.8x-2.4x
Capital
Tier 1 Leverage Ratio9.75%9.67%10.51%10.71%10.82%+106 bps
Total Risk-Based Capital18.50%18.24%17.76%18.04%16.72%-178 bps
Equity / Assets8.63%9.02%9.52%9.88%9.80%+117 bps
Liquidity & Funding
Loans / Deposits40.21%44.01%47.70%49.88%55.89%+1,569 bps
Liquid Assets / Assets43.60%30.34%26.33%29.81%25.30%-1,830 bps
CRE / Total Capitaln/a300%314%317%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southwest Capital Bank

Albuquerque, NM · Cert 12258 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Las Vegas Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$482.9MAssets
$241.6MLoans
$432.3MDeposits
$47.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 68% of banks under $1B in assets operating in a single state (rank 240 of 746).
  • Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets operating in a single state (rank 629 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.95%

Rank 430 of 746

Net Interest Margin

3.96%

Rank 263 of 746

Efficiency Ratio

70.33%

Rank 476 of 746

Equity / Assets

9.80%

Rank 452 of 746

Non-interest income vs. expense

$1.0M$13.8MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state
Bank 70.33%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.72%1.06%1.45%Beats 42%430 / 746
Return on Equity9.72%6.74%10.51%13.63%Beats 44%415 / 746
Net Interest Margin3.96%3.17%3.68%4.16%Beats 65%263 / 746
Efficiency Ratio70.33%55.74%64.58%75.47%Beats 36%476 / 746
Asset Quality
Nonperforming Loans / Loans1.66%0.09%0.42%1.07%Beats 15%629 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 54%346 / 743
Capital
Tier 1 Capital Ratio15.73%11.55%13.75%17.60%Beats 67%247 / 746
Total Risk-Based Capital Ratio16.72%11.71%14.33%18.43%Beats 68%240 / 746
Equity / Assets9.80%8.90%10.51%13.06%Beats 39%452 / 746
Liquidity & Funding
Loans / Deposits55.89%61.31%78.27%90.78%19th pctl607 / 746
Loans / Assets50.03%53.60%66.97%76.08%21st pctl591 / 746
Brokered Deposits / Depositsn/aNot reported for this institution