BlastPoint's Banking Scorecard
Bank of the Southwest
Roswell, NM
13 branches across NM
Bank of the Southwest has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 2.6% in tier
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.2% in tier
- - Deposit Outflow: Bottom 22.9% in tier
- - Credit Quality Pressure: Bottom 41.8% in tier
- - Credit Risk Growth: Bottom 46.0% in tier
- - ROA 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.8M
-6.0% YoY
-3.4% QoQ
|
-$211.3M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$120.6M
+8.6% YoY
+1.7% QoQ
|
-$135.2M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$157.5M
-6.5% YoY
-3.9% QoQ
|
-$170.4M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.15%
-46.8% YoY
-40.8% QoQ
|
-0.12% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
6.91%
-1.1% YoY
-3.0% QoQ
|
+2.98% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Top 0.5% in tier |
| Efficiency Ratio ? |
81.32%
+16.9% YoY
+12.0% QoQ
|
+16.03% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate ? |
0.43%
+244.8% YoY
+72.7% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
76.52%
+16.1% YoY
+5.8% QoQ
|
-0.12% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
62.10%
+0.4% YoY
-2.1% QoQ
|
+40.08% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 0.5% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+39.9% YoY
+36.2% QoQ
|
-0.11% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
15.18%
-6.1% YoY
+0.8% QoQ
|
-0.65% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.13%
-8.0% YoY
-75.1% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (4)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.