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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.31% | 1.43% | 1.10% | 0.94% | 1.03% | 1.36% | 1.36% | +27 bps | |
| Return on Equity | 8.36% | 9.14% | 10.37% | 8.16% | 6.84% | 7.33% | 10.09% | 10.68% | +252 bps | |
| Net Interest Margin | 4.14% | 4.16% | 3.95% | 4.27% | 4.20% | 4.04% | 3.96% | 3.94% | -33 bps | |
| Efficiency Ratio | 63.91% | 66.78% | 59.36% | 64.84% | 67.99% | 65.17% | 57.94% | 58.32% | -653 bps | |
| Non-Interest Burden | 2.48% | 2.63% | 2.14% | 2.62% | 2.73% | 2.52% | 2.13% | 2.11% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.67% | -3.14% | 0.23% | 0.60% | 2.84% | 3.40% | 5.15% | 10.38% | +978 bps | |
| Loan Growth (YoY) | 3.27% | -0.72% | -2.20% | 5.39% | 9.33% | 10.99% | 7.76% | -2.34% | -773 bps | |
| Deposit Growth (YoY) | -7.23% | -3.91% | 0.05% | 0.27% | 3.07% | 3.95% | 5.56% | 11.87% | +1,159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 2.08% | 2.03% | 2.41% | 3.71% | 2.09% | 2.33% | 2.47% | +6 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.11% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.04% | +5 bps | |
| Allowance / Loans | 1.71% | 1.71% | 1.67% | 1.65% | 1.63% | 1.66% | 1.64% | 1.75% | +10 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 0.8x | 0.7x | 0.4x | 0.8x | 0.7x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.90% | 15.20% | 14.53% | 14.47% | 14.46% | 14.67% | 13.85% | 13.52% | -94 bps | |
| Total Risk-Based Capital | 26.97% | 28.21% | 26.03% | 26.08% | 26.07% | 26.38% | 25.19% | 26.99% | +91 bps | |
| Equity / Assets | 14.17% | 14.50% | 13.19% | 13.70% | 13.81% | 14.20% | 12.82% | 12.71% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.37% | 68.71% | 68.00% | 71.29% | 72.52% | 73.36% | 69.42% | 62.23% | -906 bps | |
| Liquid Assets / Assets | 20.17% | 21.11% | 20.83% | 17.91% | 21.57% | 22.09% | 23.31% | 26.58% | +866 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 176.90% | 173.31% | 175.13% | n/a | n/a | |