BlastPoint's Banking Scorecard
Southwest Bank
Odessa, TX
8 branches across TX
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 219 in TX.
- Deposits -5.7% year over year ($610.6M on the books).
- Delinquency rate 0.35%.
- Return on assets 1.95%.
- Efficiency ratio 63.68% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southwest Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 1.4% in tier
- + Profitability Leader: Top 12.1% in tier
- + Revenue Diversifier: Top 34.5% in tier
- + Efficiency Ratio 0.80% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 7.5% in tier
- - Cost Spiral: Bottom 68.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$693.7M
-4.5% YoY
-0.6% QoQ
|
+$307.1M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 12.6% in tier |
| Total Loans ? |
$487.5M
+0.5% YoY
+3.2% QoQ
|
+$229.1M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 12.7% in tier |
| Total Deposits ? |
$610.6M
-5.7% YoY
-1.2% QoQ
|
+$283.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 11.4% in tier |
| Return on Assets ? |
1.95%
+58.5% YoY
+0.3% QoQ
|
+0.63% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 14.2% in tier |
| Net Interest Margin ? |
5.59%
-7.2% YoY
+2.7% QoQ
|
+1.60% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 2.6% in tier |
| Efficiency Ratio ? |
63.68%
+15.1% YoY
+0.6% QoQ
|
-0.80% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.35%
-57.4% YoY
-85.6% QoQ
|
-0.57% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
79.83%
+6.5% YoY
+4.4% QoQ
|
+1.88% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
56.04%
-3.2% YoY
+2.6% QoQ
|
+34.01% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 0.9% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-67.6% YoY
-88.2% QoQ
|
-0.42% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.33%
+0.8% YoY
+0.8% QoQ
|
-4.57% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.46%
+6.7% YoY
+97.4% QoQ
|
-0.10% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 10.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
56.0%
-1.9pp YoY +1.4pp QoQ |
+33.9pp | 22.1% | 29.2% | 22.2% | 99% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
42.1%
-1.5pp YoY -0.1pp QoQ |
+30.6pp | 11.6% | 14.8% | 12.5% | 98% |
| CRE |
51.1%
+2.9pp YoY +1.4pp QoQ |
+11.5pp | 39.5% | 48.4% | 41.4% | 72% |
| 1-4 Family |
8.3%
-1.5pp YoY -1.1pp QoQ |
-24.3pp | 32.6% | 25.8% | 31.3% | 9% |
| Consumer |
0.4%
-0.2pp YoY -0.1pp QoQ |
-3.7pp | 4.1% | 4.7% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
11.3%
+0.1pp YoY +0.1pp QoQ |
-0.8pp | 12.2% | 12.6% | 12.6% | 56% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
128
-5 (-3.8%) YoY -3 (-2.3%) QoQ |
+69 | 58 | 186 | 482 | 94% |
| Assets per Employee ($) |
$5.4M
-0.8% YoY +1.8% QoQ |
-$2.1M | $7.5M | $10.1M | $8.8M | 21% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -2.1pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 43% |
| Allowance Coverage |
7.36x
+90.4% YoY +598.7% QoQ |
-16.79x | 24.15x | 18.82x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.5%
+6.6pp YoY 0.0pp QoQ |
+6.3pp | 12.2% | 13.2% | 11.6% | 84% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 7% |
| Net Income ($, YTD) |
$6.9M
+56.2% YoY — QoQ |
+$4.3M | $2.6M | $15.9M | $40.4M | 95% |
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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 (3)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
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.