Southwestern National Bank
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
$1.4BAssets
$1.2BLoans
$1.2BDeposits
$169.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 80% of banks $1B-$10B in assets operating regionally (rank 36 of 176).
- Widest gap: net charge-offs / loans trails 61% of banks $1B-$10B in assets operating regionally (rank 109 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $23.5M · efficiency ratio beats 70% of banks $1B-$10B in assets operating regionally | 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 |