Weatherford, OK · Cert 4076 · Southwest Capital L L C
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.94% | 1.03% | 1.36% | 1.36% | +27 bps | |
| Return on Equity | 8.16% | 6.84% | 7.33% | 10.09% | 10.68% | +252 bps | |
| Net Interest Margin | 4.27% | 4.20% | 4.04% | 3.96% | 3.94% | -33 bps | |
| Efficiency Ratio | 64.84% | 67.99% | 65.17% | 57.94% | 58.32% | -653 bps | |
| Non-Interest Burden | 2.62% | 2.73% | 2.52% | 2.13% | 2.11% | -51 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 / Loans | 2.41% | 3.71% | 2.09% | 2.33% | 2.47% | +6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | 0.04% | +5 bps | |
| Allowance / Loans | 1.65% | 1.63% | 1.66% | 1.64% | 1.75% | +10 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.4x | 0.8x | 0.7x | 0.7x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.47% | 14.46% | 14.67% | 13.85% | 13.52% | -94 bps | |
| Total Risk-Based Capital | 26.08% | 26.07% | 26.38% | 25.19% | 26.99% | +91 bps | |
| Equity / Assets | 13.70% | 13.81% | 14.20% | 12.82% | 12.71% | -98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.29% | 72.52% | 73.36% | 69.42% | 62.23% | -906 bps | |
| Liquid Assets / Assets | 17.91% | 21.57% | 22.09% | 23.31% | 26.58% | +866 bps | |
| CRE / Total Capital | n/a | 176.90% | 173.31% | 175.13% | n/a | n/a | |