Durango, CO · Cert 57741 · First Southwest Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.64% | 0.81% | 0.69% | 0.60% | +29 bps | |
| Return on Equity | 2.02% | 4.21% | 5.50% | 5.17% | 4.48% | +246 bps | |
| Net Interest Margin | 2.89% | 2.92% | 2.96% | 3.12% | 3.23% | +34 bps | |
| Efficiency Ratio | 89.35% | 76.55% | 71.88% | 79.26% | 79.89% | -947 bps | |
| Non-Interest Burden | 2.51% | 2.00% | 1.81% | 2.34% | 2.47% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.85% | 21.11% | 17.28% | 8.09% | 5.45% | -1,240 bps | |
| Loan Growth (YoY) | 11.57% | 10.32% | 10.33% | 11.49% | 8.68% | -289 bps | |
| Deposit Growth (YoY) | 26.54% | 32.74% | 25.27% | 12.61% | 7.04% | -1,950 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.06% | 0.12% | 0.05% | 0.04% | -27 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.30% | 0.36% | 0.11% | 0.05% | -2 bps | |
| Allowance / Loans | 1.43% | 1.42% | 1.40% | 1.30% | 1.32% | -11 bps | |
| Allowance Coverage of NPLs | 4.6x | 25.3x | 11.9x | 24.0x | 30.4x | +25.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.98% | 16.74% | 15.31% | 15.15% | 15.31% | -167 bps | |
| Total Risk-Based Capital | 32.13% | 31.99% | 28.33% | 28.13% | 27.81% | -432 bps | |
| Equity / Assets | 14.48% | 14.58% | 13.19% | 13.55% | 13.27% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.49% | 66.35% | 67.22% | 69.70% | 69.54% | +105 bps | |
| Liquid Assets / Assets | 7.86% | 10.18% | 9.44% | 6.94% | 7.02% | -84 bps | |
| CRE / Total Capital | n/a | 154.30% | 168.84% | 168.18% | n/a | n/a | |