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Bank of the Southwest

$100M-$1B Specialty: Commercial NM FDIC cert 2247

Roswell, NM

13 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 -4.5% year over year ($159.0M on the books).
  • Delinquency rate 0.74%.
  • Return on assets 1.07%.
  • Efficiency ratio 82.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.64% 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) →

Bank of the Southwest 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

  • + Deposit Franchise: Top 2.5% in tier
  • + Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.5% in tier
  • - Margin Compression: Bottom 1.0% in tier
  • - Deposit Outflow: Bottom 25.0% in tier
Get updates when Bank of the Southwest releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $176.3M
-4.3% YoY +0.9% QoQ
-$210.2M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $120.3M
+6.2% YoY -0.2% QoQ
-$138.0M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $159.0M
-4.5% YoY +1.0% QoQ
-$167.7M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.07%
-50.1% YoY -6.9% QoQ
-0.25% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 6.92%
-1.3% YoY +0.2% QoQ
+2.93% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
Top 0.5% in tier
Efficiency Ratio ? 82.53%
+18.6% YoY +1.5% QoQ
+18.05% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
Bottom 11.5% in tier
Delinquency Rate ? 0.74%
+849.9% YoY +73.5% QoQ
-0.18% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 75.64%
+11.3% YoY -1.2% QoQ
-2.31% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 64.75%
-0.5% YoY +4.3% QoQ
+42.72% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 0.4% in tier
Nonperforming Asset Ratio ? 0.74%
+149.7% YoY +39.4% QoQ
+0.07% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 15.03%
-6.0% YoY -1.0% QoQ
-0.88% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.24%
-13.1% YoY +81.4% QoQ
-0.33% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
61%

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 64.7%
-0.3pp YoY
+2.6pp QoQ
 +42.6pp 22.1% 34.1% 22.2% 100%
Brokered Deposits n/a n/a 7.9% 5.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 14.2%
+1.2pp YoY
+0.1pp QoQ
 +2.6pp 11.6% 20.2% 12.5% 73%
CRE 47.9%
+2.1pp YoY
+0.2pp QoQ
 +8.3pp 39.5% 50.8% 41.4% 66%
1-4 Family 28.6%
+0.9pp YoY
-0.2pp QoQ
 -4.0pp 32.6% 20.2% 31.3% 48%
Consumer 6.6%
-2.2pp YoY
-0.3pp QoQ
 +2.5pp 4.1% 3.8% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio 15.0%
-1.0pp YoY
-0.2pp QoQ
 -3.8pp 18.8% 26.0% 19.7% 49%
Leverage Ratio 9.4%
-0.3pp YoY
-0.2pp QoQ
 -2.8pp 12.2% 13.9% 12.6% 18%
Total Capital Ratio 16.2%
-1.0pp YoY
-0.1pp QoQ
 -3.7pp 19.9% 27.1% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 82
0 YoY
-6 (-6.8%) QoQ
 +23 58 75 482 78%
Assets per Employee ($) $2.2M
-4.3% YoY
+8.3% QoQ
 -$5.4M $7.5M $7.6M $8.8M 1%
Branch Count 13
0 YoY
0 QoQ
 +8 4 6 18 96%

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 0.7%
+0.7pp YoY
+0.3pp QoQ
 -0.2pp 0.9% 1.1% 1.0% 64%
Allowance Coverage 1.49x
-89.8% YoY
-40.2% QoQ
 -22.66x 24.15x 56.44x 20.23x 39%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 11.1%
-11.3pp YoY
-0.8pp QoQ
 -1.1pp 12.2% 18.9% 11.6% 44%
Cost of Funds (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -1.6pp 1.7% 1.0% 1.7% 0%
Net Income ($, YTD) $951,000
-51.5% YoY
— QoQ
 -$1.6M $2.6M $5.6M $40.4M 25%

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 (1)

Deposit Franchise

growth
#8 of 278 • Top 2.5% 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: 64.75%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.92%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (3)

Efficiency Drag

risk
#3 of 361 • Bottom 0.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 82.53%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Margin Compression

decline
#4 of 307 • Bottom 1.0% 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: 1.07%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Deposit Outflow

decline
#135 of 535 • Bottom 25.0% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

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)

12
Non-Interest-Bearing Deposit Share
funding
Value: 64.75%
Peer Median: 22.03%
#12 of 2643 Top 0.4% in $100M-$1B
13
Net Interest Margin
profitability
Value: 6.92%
Peer Median: 3.99%
#13 of 2643 Top 0.5% in $100M-$1B

Top Weaknesses (3 metrics)

2341
Efficiency Ratio
profitability
Value: 82.53%
Peer Median: 64.48%
#2341 of 2643 Bottom 11.5% in $100M-$1B
2095
Total Assets
size
Value: $176.34M
Peer Median: $386.57M
#2095 of 2643 Bottom 20.8% in $100M-$1B
2018
Total Deposits
size
Value: $159.05M
Peer Median: $326.73M
#2018 of 2643 Bottom 23.7% in $100M-$1B
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