PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.49%Q2 ’244.52%Q2 ’254.60%Q2 ’26+12%-1%

Non-interest income vs. expense

3.24%Q2 ’242.76%Q2 ’252.97%Q2 ’26-9%+14%

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 0.90%, down 121 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.66% of loans (+121 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

0.90%-121 bps YoY

Net Interest Margin (quarter, annualized)

3.97%-5 bps YoY

Efficiency Ratio (quarter, annualized)

71.51%+784 bps YoY

Tier 1 Leverage Ratio

10.82%+106 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.10%1.14%1.09%1.04%0.90%-121 bps
Return on Equity24.48%12.95%11.73%10.73%9.10%-1,538 bps
Net Interest Margin4.03%4.09%4.50%3.94%3.97%-5 bps
Efficiency Ratio63.67%64.55%67.17%69.16%71.51%+784 bps
Non-Interest Burden2.45%2.55%2.94%2.65%2.79%+34 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%0.00%0.00%0.00%0.03%+4 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