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Southwest Capital Bank

$100M-$1B Specialty: Commercial NM FDIC cert 12258

Albuquerque, NM

6 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
  • Deposits -6.4% year over year ($432.3M on the books).
  • Delinquency rate 1.68%.
  • Return on assets 1.23%.
  • Efficiency ratio 70.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 55.18% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM
View $100M-$1B leaderboard (NM) →

Southwest Capital Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 16.38% above tier average
  • + Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 2.6% in tier
  • - Efficiency Ratio 5.85% above tier average
  • - Delinquency Rate 0.76% above tier average
Get updates when Southwest Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $482.9M
-4.7% YoY +2.4% QoQ
+$96.3M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $238.5M
+30.4% YoY +14.7% QoQ
-$19.8M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $432.3M
-6.4% YoY +2.2% QoQ
+$105.5M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 1.23%
-43.3% YoY -7.2% QoQ
-0.09% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 4.10%
-1.9% YoY -0.1% QoQ
+0.11% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 70.33%
+11.6% YoY +1.7% QoQ
+5.85% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 1.68%
+269.1% YoY -20.0% QoQ
+0.76% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 55.18%
+39.2% YoY +12.2% QoQ
-22.77% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
Top 12.6% in tier
Non-Interest-Bearing Deposit Share ? 38.41%
+10.9% YoY +9.9% QoQ
+16.38% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 5.9% in tier
Nonperforming Asset Ratio ? 0.83%
+405.1% YoY -10.5% QoQ
+0.16% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 15.73%
-10.0% YoY -7.3% QoQ
-0.18% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.10%
-37.4% YoY +69.5% QoQ
-0.46% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
19%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Noninterest-Bearing 38.4%
+3.8pp YoY
+3.5pp QoQ
 +16.3pp 22.1% 34.1% 22.2% 94%
Brokered Deposits 1.2%
0.0pp QoQ
 -6.7pp 7.9% 5.2% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 18.0%
-0.2pp YoY
-3.6pp QoQ
 +6.5pp 11.6% 20.2% 12.5% 84%
CRE 81.1%
+1.1pp YoY
+4.0pp QoQ
 +41.6pp 39.5% 50.8% 41.4% 98%
1-4 Family 1.5%
-0.6pp YoY
-0.3pp QoQ
 -31.1pp 32.6% 20.2% 31.3% 2%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 3.8% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio 15.7%
-1.8pp YoY
-1.2pp QoQ
 -3.1pp 18.8% 26.0% 19.7% 56%
Leverage Ratio 10.8%
+1.1pp YoY
+0.1pp QoQ
 -1.4pp 12.2% 13.9% 12.6% 47%
Total Capital Ratio 16.7%
-1.8pp YoY
-1.3pp QoQ
 -3.2pp 19.9% 27.1% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 84
+1 (+1.2%) YoY
+2 (+2.4%) QoQ
 +25 58 75 482 79%
Assets per Employee ($) $5.7M
-5.9% YoY
0.0% QoQ
 -$1.8M $7.5M $7.6M $8.8M 28%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.7%
+1.2pp YoY
-0.4pp QoQ
 +0.7pp 0.9% 1.1% 1.0% 84%
Allowance Coverage 0.77x
-76.0% YoY
+11.2% QoQ
 -23.38x 24.15x 56.44x 20.23x 20%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 12.6%
-12.2pp YoY
-1.0pp QoQ
 +0.4pp 12.2% 18.9% 11.6% 54%
Cost of Funds (YTD) 0.6%
+0.1pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.0% 1.7% 3%
Net Income ($, YTD) $2.9M
-45.2% YoY
— QoQ
 +$376K $2.6M $5.6M $40.4M 69%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#9 of 307 • Bottom 2.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.23%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

157
Non-Interest-Bearing Deposit Share
funding
Value: 38.41%
Peer Median: 22.03%
#157 of 2643 Top 5.9% in $100M-$1B
334
Loan-to-Deposit Ratio
liquidity
Value: 55.18%
Peer Median: 77.95%
#334 of 2643 Top 12.6% in $100M-$1B

Top Weaknesses (2 metrics)

2199
Delinquency Rate
credit_quality
Value: 1.68%
Peer Median: 0.92%
#2199 of 2633 Bottom 16.5% in $100M-$1B
2130
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2130 of 2643 Bottom 19.4% in $100M-$1B
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