BlastPoint's Banking Scorecard
Southwest Capital Bank
Albuquerque, NM
6 branches across NM
Southwest Capital Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.94% above tier average
- + ROA 0.05% above tier average
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 47.6% in tier
- - Cost Spiral: Bottom 62.7% in tier
- - Delinquency Rate 1.21% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$471.5M
-5.6% YoY
-1.2% QoQ
|
+$85.4M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$208.0M
+18.8% YoY
+3.3% QoQ
|
-$47.7M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$423.1M
-7.0% YoY
-1.3% QoQ
|
+$95.1M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.32%
-18.7% YoY
-26.5% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.10%
-1.0% YoY
-5.1% QoQ
|
+0.17% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
69.16%
+11.0% YoY
+7.3% QoQ
|
+3.88% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
2.10%
+341.7% YoY
-3.2% QoQ
|
+1.21% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.5% in tier |
| Loan-to-Deposit Ratio ? |
49.17%
+27.7% YoY
+4.6% QoQ
|
-27.47% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.96%
+5.2% YoY
-12.2% QoQ
|
+12.94% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 9.9% in tier |
| Nonperforming Asset Ratio ? |
0.93%
+455.9% YoY
+1.3% QoQ
|
+0.29% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
16.97%
-6.2% YoY
+1.6% QoQ
|
+1.14% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.06%
-32.9% YoY
-79.9% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
27% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.