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Southwest Bank of Weatherford

Weatherford, OK · Cert 4076 · Southwest Capital L L C

State charter, Fed member · FED · 1 branch

Q2 2026

$86.0MAssets
$46.7MLoans
$75.0MDeposits
$10.9MEquity
Loan mix
85%RE $36.9M7%C&I $3.0M8%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $51.8M31%Noninterest $23.2MQ2 2025Q2 2026

NIM

5.68%Q2 ’245.59%Q2 ’255.35%Q2 ’26-4%-5%

Non-interest income vs. expense

2.87%Q2 ’242.82%Q2 ’252.49%Q2 ’26-3%-12%

Executive Summary

  • Earnings: ROA of 1.36%, up 9 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 2.47% of loans (+6 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.52%, down 94 bps from a year ago.
  • Funding: loans stand at 62.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-21 bps YoY

Efficiency Ratio (YTD, annualized)

58.13%-407 bps YoY

Tier 1 Leverage Ratio

13.52%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.16%1.13%1.36%1.36%+9 bps
Return on Equity9.21%8.39%8.12%10.09%10.32%+111 bps
Net Interest Margin4.07%4.07%4.05%3.96%3.86%-21 bps
Efficiency Ratio62.20%64.17%64.41%57.94%58.13%-407 bps
Non-Interest Burden2.35%2.45%2.46%2.13%2.07%-29 bps
Growth
Asset Growth (YoY)0.60%2.84%3.40%5.15%10.38%+978 bps
Loan Growth (YoY)5.39%9.33%10.99%7.76%-2.34%-773 bps
Deposit Growth (YoY)0.27%3.07%3.95%5.56%11.87%+1,159 bps
Asset Quality
Nonperforming Loans / Loans2.41%3.71%2.09%2.33%2.47%+6 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%0.02%+3 bps
Allowance / Loans1.65%1.63%1.66%1.64%1.75%+10 bps
Allowance Coverage of NPLs0.7x0.4x0.8x0.7x0.7x0.0x
Capital
Tier 1 Leverage Ratio14.47%14.46%14.67%13.85%13.52%-94 bps
Total Risk-Based Capital26.08%26.07%26.38%25.19%26.99%+91 bps
Equity / Assets13.70%13.81%14.20%12.82%12.71%-98 bps
Liquidity & Funding
Loans / Deposits71.29%72.52%73.36%69.42%62.23%-906 bps
Liquid Assets / Assets17.91%21.57%22.09%23.31%26.58%+866 bps
CRE / Total Capitaln/a176.90%173.31%175.13%n/an/a