Odessa, TX · Cert 16652 · Odessa SW Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Odessa, TX · 2026 SOD (annual) · 11.4% share · #2 of 18 inst. · $0.5B of $4.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 1.88% | 0.87% | 1.04% | 1.44% | 1.74% | 1.52% | 1.53% | +49 bps | |
| Return on Equity | 24.34% | 18.25% | 8.31% | 10.27% | 13.91% | 16.44% | 14.49% | 14.54% | +428 bps | |
| Net Interest Margin | 6.02% | 5.85% | 5.37% | 5.69% | 5.71% | 5.17% | 5.07% | 5.28% | -40 bps | |
| Efficiency Ratio | 53.05% | 53.58% | 56.89% | 53.80% | 54.72% | 61.52% | 63.32% | 64.03% | +1,023 bps | |
| Non-Interest Burden | 2.76% | 2.72% | 2.69% | 2.66% | 2.72% | 2.74% | 2.88% | 3.06% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.62% | 3.97% | 8.60% | 10.47% | 1.76% | 3.62% | -3.28% | -4.55% | -1,502 bps | |
| Loan Growth (YoY) | 2.67% | 3.26% | -0.14% | 2.98% | 2.42% | -1.76% | -0.12% | -0.08% | -306 bps | |
| Deposit Growth (YoY) | 9.90% | 2.89% | 7.76% | 10.15% | 0.94% | 3.33% | -3.70% | -5.67% | -1,582 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 0.37% | 0.84% | 0.80% | 3.04% | 2.75% | 2.38% | 0.34% | -46 bps | |
| Net Charge-Offs / Loans | 0.42% | 1.52% | 0.01% | -0.06% | 0.00% | 4.96% | 0.03% | 0.00% | +6 bps | |
| Allowance / Loans | 2.13% | 1.96% | 2.54% | 3.09% | 3.52% | 2.39% | 2.51% | 2.52% | -57 bps | |
| Allowance Coverage of NPLs | 2.2x | 5.4x | 3.0x | 3.9x | 1.2x | 0.9x | 1.1x | 7.4x | +3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 11.74% | 11.46% | 11.25% | 11.55% | 11.35% | 11.24% | 11.33% | +9 bps | |
| Total Risk-Based Capital | 11.37% | 11.74% | 11.46% | 11.25% | 11.55% | 11.35% | 11.24% | 11.33% | +9 bps | |
| Equity / Assets | 9.97% | 10.60% | 10.29% | 10.06% | 10.61% | 10.57% | 10.43% | 10.62% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.22% | 81.69% | 75.63% | 77.32% | 77.34% | 77.66% | 78.44% | 81.90% | +458 bps | |
| Liquid Assets / Assets | 13.07% | 6.84% | 13.95% | 13.61% | 13.73% | 7.48% | 9.92% | 4.07% | -954 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 292% | 291% | n/a | n/a | |