BlastPoint's Banking Scorecard

Southwest Bank

$100M-$1B Specialty: Commercial TX FDIC cert 16652

Odessa, TX

8 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Southwest Bank has 4 strengths but faces 4 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

+ Deposit Franchise: Top 0.7% in tier
+ Profitability Leader: Top 12.5% in tier
+ Revenue Diversifier: Top 29.3% in tier
+ Efficiency Ratio 1.97% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 4.2% in tier
- Cost Spiral: Bottom 35.7% in tier
- Delinquency Rate 1.55% above tier average
- Nonperforming Asset Ratio 1.46% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$697.7M -3.3% YoY -2.5% QoQ	+$311.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 12.8% in tier
Total Loans ?	$472.4M -0.1% YoY -1.6% QoQ	+$216.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 13.5% in tier
Total Deposits ?	$617.8M -3.7% YoY -2.4% QoQ	+$289.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 11.4% in tier
Return on Assets ?	1.95% +75.0% YoY +18.8% QoQ	+0.68%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 13.8% in tier
Net Interest Margin ?	5.44% -8.1% YoY -8.0% QoQ	+1.51%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 3.4% in tier
Efficiency Ratio ?	63.32% +11.3% YoY +11.7% QoQ	-1.97%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	2.44% +183.6% YoY -13.5% QoQ	+1.55%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 8.7% in tier
Loan-to-Deposit Ratio ?	76.47% +3.8% YoY +0.9% QoQ	-0.17%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	54.60% -7.1% YoY -0.0% QoQ	+32.58%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.1% in tier
Nonperforming Asset Ratio ?	2.09% +169.3% YoY +0.6% QoQ	+1.46%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 6.2% in tier
Tier 1 Capital Ratio ?	11.24% -1.9% YoY -1.0% QoQ	-4.59%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.23% +7.8% YoY -75.5% QoQ	-0.05%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 10.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Deposit Franchise

growth

#3 of 272 • Top 0.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 54.60%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.44%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Profitability Leader

growth

#84 of 666 • Top 12.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.95%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#196 of 666 • Top 29.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.95%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#22 of 506 • Bottom 4.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Cost Spiral

risk

#46 of 126 • Bottom 35.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 63.32%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 54.60%

Peer Median: 22.02%

#30 of 2664 Top 1.1% in $100M-$1B

Net Interest Margin

profitability

Value: 5.44%

Peer Median: 3.93%

#91 of 2664 Top 3.4% in $100M-$1B

271

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#271 of 2664 Top 10.1% in $100M-$1B

305

Total Deposits

size

Value: $617.80M

Peer Median: $327.97M

#305 of 2664 Top 11.4% in $100M-$1B

342

Total Assets

size

Value: $697.70M

Peer Median: $386.08M

#342 of 2664 Top 12.8% in $100M-$1B

361

Total Loans

size

Value: $472.44M

Peer Median: $255.72M

#361 of 2664 Top 13.5% in $100M-$1B

368

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.27%

#368 of 2664 Top 13.8% in $100M-$1B

Top Weaknesses (2 metrics)

2501

Nonperforming Asset Ratio

credit_quality

Value: 2.09%

Peer Median: 0.64%

#2501 of 2664 Bottom 6.2% in $100M-$1B

2423

Delinquency Rate

credit_quality

Value: 2.44%

Peer Median: 0.89%

#2423 of 2654 Bottom 8.7% in $100M-$1B