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 | |