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Southwest Bank

Odessa, TX · Cert 16652 · Odessa SW Bancshares 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 in TX3

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 in TX (n=208 to 211). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

52

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 Bank

Odessa, TX · Cert 16652 · Odessa SW Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$693.7MAssets
$500.1MLoans
$610.6MDeposits
$73.7MEquity
Loan mix
58%RE $281.8M41%C&I $199.6M0%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
44%Interest-bearing $268.4M56%Noninterest $342.2MQ2 2025Q2 2026

NIM

6.46%Q2 ’246.33%Q2 ’256.02%Q2 ’26-3%-6%

Non-interest income vs. expense

3.63%Q2 ’243.54%Q2 ’253.89%Q2 ’26-1%+11%

Market Position · Odessa, TX · 2026 SOD (annual) · 11.4% share · #2 of 18 inst. · $0.5B of $4.0B

11.4% Ector
1.0% Midland
0.5% Lubbock

Executive Summary

  • Earnings: ROA of 1.52%, up 56 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 0.34% of loans (-46 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.33%, up 9 bps from a year ago.
  • Funding: loans stand at 81.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+56 bps YoY

Net Interest Margin (YTD, annualized)

5.20%-34 bps YoY

Efficiency Ratio (YTD, annualized)

63.68%+837 bps YoY

Tier 1 Leverage Ratio

11.33%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.12%1.28%1.52%1.52%+56 bps
Return on Equity9.30%10.81%12.31%14.49%14.45%+514 bps
Net Interest Margin5.54%5.60%5.52%5.07%5.20%-34 bps
Efficiency Ratio55.31%55.11%56.67%63.32%63.68%+837 bps
Non-Interest Burden2.68%2.70%2.72%2.88%2.98%+30 bps
Growth
Asset Growth (YoY)10.47%1.76%3.62%-3.28%-4.55%-1,502 bps
Loan Growth (YoY)2.98%2.42%-1.76%-0.12%-0.08%-306 bps
Deposit Growth (YoY)10.15%0.94%3.33%-3.70%-5.67%-1,582 bps
Asset Quality
Nonperforming Loans / Loans0.80%3.04%2.75%2.38%0.34%-46 bps
Net Charge-Offs / Loans-0.03%-0.02%1.23%0.03%0.01%+4 bps
Allowance / Loans3.09%3.52%2.39%2.51%2.52%-57 bps
Allowance Coverage of NPLs3.9x1.2x0.9x1.1x7.4x+3.5x
Capital
Tier 1 Leverage Ratio11.25%11.55%11.35%11.24%11.33%+9 bps
Total Risk-Based Capital11.25%11.55%11.35%11.24%11.33%+9 bps
Equity / Assets10.06%10.61%10.57%10.43%10.62%+56 bps
Liquidity & Funding
Loans / Deposits77.32%77.34%77.66%78.44%81.90%+458 bps
Liquid Assets / Assets13.61%13.73%7.48%9.92%4.07%-954 bps
CRE / Total Capitaln/a269%292%291%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 Bank

Odessa, TX · Cert 16652 · Peer group: banks under $1B in assets in TX (n=208-211) · Odessa SW Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$693.7MAssets
$500.1MLoans
$610.6MDeposits
$73.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in TX (rank 10 of 211).
  • Widest gap: total risk-based capital ratio trails 80% of banks under $1B in assets in TX (rank 168 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.54%

Rank 62 of 211

Net Interest Margin

5.20%

Rank 10 of 211

Efficiency Ratio

63.68%

Rank 103 of 211

Equity / Assets

10.62%

Rank 120 of 211

Non-interest income vs. expense

$6.4M$27.6MINCOMEEXPENSE
Unfavorable gap of $21.2M · efficiency ratio beats 52% of banks under $1B in assets in TX
Bank 63.68%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%0.87%1.20%1.65%Beats 71%62 / 211
Return on Equity14.51%7.52%11.67%14.58%Beats 74%55 / 211
Net Interest Margin5.20%3.28%3.82%4.31%Beats 95%10 / 211
Efficiency Ratio63.68%53.01%64.18%73.65%Beats 52%103 / 211
Asset Quality
Nonperforming Loans / Loans0.34%0.01%0.30%1.10%Beats 49%108 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 58%89 / 208
Capital
Tier 1 Capital Ratio11.33%11.72%14.45%19.57%Beats 21%166 / 211
Total Risk-Based Capital Ratio11.33%11.94%14.78%20.30%Beats 20%168 / 211
Equity / Assets10.62%9.41%11.06%12.94%Beats 43%120 / 211
Liquidity & Funding
Loans / Deposits81.90%45.39%66.56%82.03%75th pctl53 / 208
Loans / Assets72.09%39.13%56.90%70.46%80th pctl43 / 211
Brokered Deposits / Depositsn/aNot reported for this institution