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 | |