McComb, MS · Cert 5907 · First Southwest Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
28
Profitability
56
Liquidity
97
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
McComb, MS · Cert 5907 · First Southwest Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Hattiesburg, MS · 2026 SOD (annual) · 1.3% share · #14 of 20 inst. · $0.1B of $4.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.04% | 1.14% | 1.18% | 1.62% | 1.50% | 1.15% | 1.24% | +6 bps | |
| Return on Equity | 8.53% | 8.17% | 8.62% | 8.99% | 12.26% | 11.22% | 8.39% | 9.20% | +21 bps | |
| Net Interest Margin | 3.47% | 3.54% | 3.55% | 3.55% | 3.70% | 3.82% | 3.83% | 3.67% | +11 bps | |
| Efficiency Ratio | 65.21% | 64.65% | 63.52% | 63.17% | 55.88% | 58.12% | 65.62% | 63.80% | +63 bps | |
| Non-Interest Burden | 1.99% | 1.99% | 1.98% | 1.96% | 1.48% | 1.71% | 2.22% | 2.03% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -2.37% | -0.40% | -2.42% | -1.20% | -2.12% | 0.94% | 2.51% | +493 bps | |
| Loan Growth (YoY) | 7.98% | 6.41% | 2.63% | -2.81% | -6.69% | -0.27% | 2.63% | 8.17% | +1,097 bps | |
| Deposit Growth (YoY) | -4.85% | -3.07% | -1.18% | -3.11% | -1.95% | -3.08% | 0.57% | 2.35% | +546 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.15% | 1.19% | 0.74% | 0.34% | 0.82% | 0.74% | 1.11% | +38 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.14% | -0.06% | 0.43% | 0.66% | 0.47% | 0.08% | 0.00% | -44 bps | |
| Allowance / Loans | 1.33% | 1.53% | 1.61% | 1.45% | 1.34% | 1.32% | 1.32% | 1.34% | -11 bps | |
| Allowance Coverage of NPLs | 10.2x | 9.9x | 1.4x | 2.0x | 3.9x | 1.6x | 1.8x | 1.2x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.79% | 13.29% | 13.31% | 12.89% | 13.33% | 14.08% | 13.92% | 12.96% | +7 bps | |
| Total Risk-Based Capital | 12.79% | 13.29% | 13.31% | 12.89% | 13.33% | 14.08% | 13.92% | 12.96% | +7 bps | |
| Equity / Assets | 12.90% | 13.33% | 13.04% | 12.95% | 13.48% | 14.15% | 13.31% | 13.07% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.46% | 79.90% | 76.80% | 75.55% | 74.67% | 82.21% | 78.38% | 79.84% | +429 bps | |
| Liquid Assets / Assets | 23.56% | 22.75% | 25.47% | 26.61% | 27.64% | 21.74% | 26.54% | 24.78% | -183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 238% | 249% | n/a | n/a | |
McComb, MS · Cert 5907 · Peer group: banks under $1B in assets (n=581-629) · First Southwest Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
1.21%
Rank 231 of 629
Net Interest Margin
3.67%
Rank 275 of 629
Efficiency Ratio
63.80%
Rank 244 of 629
Equity / Assets
13.07%
Rank 185 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 231 / 629 | ||
| Return on Equity | 9.28% | 5.38% | 9.30% | 13.28% | Beats 50% | 317 / 629 | ||
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 56% | 275 / 629 | ||
| Efficiency Ratio | 63.80% | 58.35% | 67.79% | 79.08% | Beats 61% | 244 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.46% | 1.20% | Beats 28% | 422 / 581 | ||
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 27% | 426 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.96% | 11.24% | 13.84% | 18.77% | Beats 43% | 358 / 629 | ||
| Total Risk-Based Capital Ratio | 12.96% | 11.58% | 14.43% | 19.66% | Beats 38% | 390 / 629 | ||
| Equity / Assets | 13.07% | 9.09% | 10.65% | 13.80% | Beats 71% | 185 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.84% | 67.24% | 80.90% | 93.48% | 49th pctl | 303 / 594 | ||
| Loans / Assets | 68.74% | 53.31% | 67.71% | 78.15% | 52nd pctl | 302 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||