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
Unfavorable gap of $21.2M · efficiency ratio beats 52% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.87% | 1.20% | 1.65% | Beats 71% | 62 / 211 | | |
| Return on Equity | 14.51% | 7.52% | 11.67% | 14.58% | Beats 74% | 55 / 211 | | |
| Net Interest Margin | 5.20% | 3.28% | 3.82% | 4.31% | Beats 95% | 10 / 211 | | |
| Efficiency Ratio | 63.68% | 53.01% | 64.18% | 73.65% | Beats 52% | 103 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.01% | 0.30% | 1.10% | Beats 49% | 108 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 58% | 89 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.33% | 11.72% | 14.45% | 19.57% | Beats 21% | 166 / 211 | | |
| Total Risk-Based Capital Ratio | 11.33% | 11.94% | 14.78% | 20.30% | Beats 20% | 168 / 211 | | |
| Equity / Assets | 10.62% | 9.41% | 11.06% | 12.94% | Beats 43% | 120 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.90% | 45.39% | 66.56% | 82.03% | 75th pctl | 53 / 208 | | |
| Loans / Assets | 72.09% | 39.13% | 56.90% | 70.46% | 80th pctl | 43 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |