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Southwest National Bank

Wichita, KS · Cert 4801 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Republic Financial Corp.

National charter · OCC · 9 branches

Q2 2026

$502.1MAssets
$433.6MLoans
$403.8MDeposits
$49.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets in the Wichita, KS area (rank 7 of 20).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Wichita, KS area (rank 19 of 20).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.92%

Rank 13 of 20

Net Interest Margin

4.18%

Rank 7 of 20

Efficiency Ratio

71.66%

Rank 15 of 20

Equity / Assets

9.80%

Rank 7 of 20

Non-interest income vs. expense

$4.2M$17.9MINCOMEEXPENSE
Unfavorable gap of $13.7M · efficiency ratio beats 30% of banks under $1B in assets in the Wichita, KS area
Bank 71.66%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.80%1.20%1.35%Beats 35%13 / 20
Return on Equity9.43%9.43%12.85%15.78%Beats 25%15 / 20
Net Interest Margin4.18%3.71%4.04%4.23%Beats 65%7 / 20
Efficiency Ratio71.66%59.34%65.86%71.92%Beats 30%15 / 20
Asset Quality
Nonperforming Loans / Loans0.08%0.06%0.64%1.17%Beats 70%7 / 20
Net Charge-Offs / Loans0.21%n/a0.02%0.09%Beats 15%18 / 20
Capital
Tier 1 Capital Ratio10.32%11.10%11.73%15.56%Beats 10%18 / 20
Total Risk-Based Capital Ratio10.32%11.80%12.57%16.49%Beats 5%19 / 20
Equity / Assets9.80%8.39%8.81%11.24%Beats 65%7 / 20
Liquidity & Funding
Loans / Deposits107.38%62.67%77.26%93.25%90th pctl2 / 20
Loans / Assets86.36%54.38%67.74%81.71%90th pctl2 / 20
Brokered Deposits / Depositsn/aNot reported for this institution