Houston, TX · Cert 34319 · SWNB Bcorp Inc.
National charter · OCC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
52
Profitability
61
Liquidity
40
Efficiency
70
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.
Houston, TX · Cert 34319 · SWNB Bcorp Inc.
National charter · OCC · 9 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.2% share · #43 of 107 inst. · $0.6B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.08% | 1.17% | 1.26% | 1.29% | 1.33% | 1.30% | 1.46% | +20 bps | |
| Return on Equity | 9.40% | 9.65% | 10.53% | 11.33% | 11.49% | 11.86% | 11.34% | 12.42% | +109 bps | |
| Net Interest Margin | 2.79% | 2.99% | 3.42% | 3.38% | 3.47% | 3.44% | 3.67% | 3.78% | +41 bps | |
| Efficiency Ratio | 62.35% | 62.38% | 60.10% | 59.42% | 60.19% | 59.13% | 55.06% | 54.08% | -534 bps | |
| Non-Interest Burden | 1.49% | 1.62% | 1.79% | 1.78% | 1.86% | 1.79% | 1.69% | 1.70% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.54% | 9.29% | 12.35% | 7.93% | 5.21% | 13.61% | 9.40% | 7.03% | -89 bps | |
| Loan Growth (YoY) | 8.67% | 8.34% | 8.91% | 11.32% | 13.38% | 9.96% | 6.03% | 7.42% | -390 bps | |
| Deposit Growth (YoY) | 20.76% | 7.25% | 10.75% | 6.51% | 4.70% | 16.08% | 10.22% | 6.77% | +25 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.04% | 0.02% | 0.16% | 0.20% | 0.40% | 0.43% | 0.42% | +26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.05% | -0.02% | -0.02% | -0.01% | 0.09% | 0.12% | +14 bps | |
| Allowance / Loans | 1.24% | 1.19% | 1.19% | 1.18% | 1.16% | 1.15% | 1.23% | 1.19% | +1 bps | |
| Allowance Coverage of NPLs | 8.8x | 28.6x | 59.2x | 7.4x | 5.8x | 2.9x | 2.9x | 2.9x | -4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.22% | 11.77% | 11.53% | 11.21% | 11.54% | 11.53% | 11.95% | 12.41% | +119 bps | |
| Total Risk-Based Capital | 15.18% | 15.03% | 14.42% | 14.56% | 14.78% | 14.79% | 16.05% | 15.79% | +123 bps | |
| Equity / Assets | 11.09% | 11.34% | 10.95% | 11.00% | 11.53% | 11.12% | 11.86% | 12.20% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.30% | 98.07% | 96.48% | 97.01% | 98.87% | 92.90% | 92.81% | 97.60% | +59 bps | |
| Liquid Assets / Assets | 10.66% | 7.31% | 7.98% | 6.97% | 5.79% | 10.30% | 11.81% | 7.61% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 635% | 619% | 576% | n/a | n/a | |
Houston, TX · Cert 34319 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · SWNB Bcorp Inc.
National charter · OCC · 9 branches
Q2 2026
Return on Assets
1.45%
Rank 55 of 176
Net Interest Margin
3.78%
Rank 63 of 176
Efficiency Ratio
54.08%
Rank 54 of 176
Equity / Assets
12.20%
Rank 37 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.93% | 1.26% | 1.54% | Beats 69% | 55 / 176 | ||
| Return on Equity | 11.89% | 9.26% | 11.89% | 14.46% | Beats 49% | 89 / 176 | ||
| Net Interest Margin | 3.78% | 3.25% | 3.59% | 3.93% | Beats 64% | 63 / 176 | ||
| Efficiency Ratio | 54.08% | 52.79% | 59.55% | 67.66% | Beats 70% | 54 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.30% | 0.64% | 1.32% | Beats 65% | 63 / 176 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 39% | 109 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.54% | 11.15% | 12.72% | 14.15% | Beats 80% | 36 / 176 | ||
| Total Risk-Based Capital Ratio | 15.79% | 11.81% | 13.63% | 15.33% | Beats 80% | 35 / 176 | ||
| Equity / Assets | 12.20% | 9.16% | 10.35% | 11.80% | Beats 79% | 37 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.60% | 80.94% | 89.73% | 97.21% | 76th pctl | 42 / 176 | ||
| Loans / Assets | 85.05% | 69.25% | 75.12% | 80.82% | 94th pctl | 11 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||