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
Unfavorable gap of $12.8M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.72% | 1.06% | 1.45% | Beats 42% | 430 / 746 | |
| Return on Equity | 9.72% | 6.74% | 10.51% | 13.63% | Beats 44% | 415 / 746 | |
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 65% | 263 / 746 | |
| Efficiency Ratio | 70.33% | 55.74% | 64.58% | 75.47% | Beats 36% | 476 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.66% | 0.09% | 0.42% | 1.07% | Beats 15% | 629 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 54% | 346 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.73% | 11.55% | 13.75% | 17.60% | Beats 67% | 247 / 746 | |
| Total Risk-Based Capital Ratio | 16.72% | 11.71% | 14.33% | 18.43% | Beats 68% | 240 / 746 | |
| Equity / Assets | 9.80% | 8.90% | 10.51% | 13.06% | Beats 39% | 452 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 55.89% | 61.31% | 78.27% | 90.78% | 19th pctl | 607 / 746 | |
| Loans / Assets | 50.03% | 53.60% | 66.97% | 76.08% | 21st pctl | 591 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |