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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Odessa, TX · FDIC certificate #16652
SOUTHWEST BANK is an FDIC-insured institution based in Odessa, TX (FDIC certificate #16652). In its Q3 2026 Call Report it reported total assets of $796M, total deposits of $714M and net loans of $489M. Its primary federal regulator is FDIC.
Plain-language readout
SOUTHWEST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $796M in Q3 2026 and were lowest at $694M in Q2 2026.
Total deposits were highest at $714M in Q3 2026 and lowest at $611M in Q2 2026.
Over the whole period total assets rose 14.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $796M | $714M | $489M | 2.02% | 20.03% | 5.60% |
| Q2 2026 | $694M | $611M | $487M | 1.95% | 18.51% | 5.59% |
| Q1 2026 | $698M | $618M | $472M | 1.95% | 18.53% | 5.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.5M | $78.5M | -$41.1M | -52.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $131.5M | $116.8M | +$14.7M | +12.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $487.5M | $472.4M | +$15.0M | +3.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.4M | $12.5M | -$80K | -0.6% |
| Other real estate owned | $0K | $3.1M | -$3.1M | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $5.7M | $0K | +$5.7M | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $19.1M | $14.3M | +$4.8M | +33.3% |
| Total assets | $693.7M | $697.7M | -$4.0M | -0.6% |
| Liabilities | ||||
| Total deposits | $610.6M | $617.8M | -$7.2M | -1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.0M | $6.3M | +$1.8M | +27.8% |
| Total liabilities | $618.6M | $624.1M | -$5.4M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.0M | $2.0M | $0K | 0.0% |
| Surplus | $42.5M | $42.4M | +$155K | +0.4% |
| Retained earnings | $34.6M | $35.0M | -$400K | -1.1% |
| Accumulated other comprehensive income | -$5.4M | -$6.6M | +$1.2M | +17.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $73.7M | $72.8M | +$921K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $14.6M | -$12.9M | -88.3% |
| Adjusted nonperforming assets | $757K | $13.5M | -$12.8M | -94.4% |
| Tangible equity plus allowance | $86.3M | $84.9M | +$1.4M | +1.6% |
| Texas ratio (gross) | 1.98% | 17.21% | -15.23 pts | See points |
| Texas ratio (adjusted) | 0.88% | 15.95% | -15.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.88% | 15.95% | -15.08 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.33% | 11.24% | +0.10 pts | See points |
| Construction and land loans to total capital | 81.43% | 71.33% | +10.11 pts | See points |
| Commercial real estate to total capital | 158.51% | 140.32% | +18.20 pts | See points |
| Dividend payout, year to date | 135.01% | 158.16% | -23.15 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.74% | -8.18% | +1.43 pts | See points |
| Liquidity | ||||
| Core deposits | $574.6M | $582.9M | -$8.4M | -1.4% |
| Non-core funding | $36.0M | $34.9M | +$1.2M | +3.4% |
| Loans to core deposits | 87.03% | 83.13% | +3.90 pts | See points |
| Loans to deposits | 81.90% | 78.44% | +3.46 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 45.34% | 43.75% | +1.59 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $36.0M | $34.9M | +$1.2M | +3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $7.9M | $3.9M | +$3.9M | +100.2% |
| Earnings before provision, single quarter | $3.9M | $3.9M | +$6K | +0.2% |
| Provision for credit losses, year to date | $867K | $433K | +$434K | +100.2% |
| Yield and cost | ||||
| Yield on loans and leases | 7.66% | 7.44% | +0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 3.84% | 3.82% | +0.03 pts | See points |
| Total interest income to average assets | 6.09% | 5.89% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 0.38% | 0.39% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.98% | 1.99% | -0.01 pts | See points |
| Cost of time deposits | 2.94% | 2.98% | -0.04 pts | See points |
| Total interest expense to average assets | 0.81% | 0.82% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $796M | $714M | $489M | 2.02% | 20.03% | 5.60% |
| 2026-06-30 | $694M | $611M | $487M | 1.95% | 18.51% | 5.59% |
| 2026-03-31 | $698M | $618M | $472M | 1.95% | 18.53% | 5.44% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $647.3M | 0.04% | 156 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.