BlastPoint's Banking Scorecard
FirstBank Southwest
Designations: ✓ Community bank
Amarillo, TX
13 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +1.6% year over year ($1.7B on the books).
- Delinquency rate 0.41%.
- Return on assets 1.32%.
- Efficiency ratio 67.28% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.01% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FirstBank Southwest has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 32.9% in tier
- - Efficiency Ratio 7.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+0.8% YoY
+0.8% QoQ
|
-$916.9M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$1.3B
-1.6% YoY
-3.1% QoQ
|
-$659.4M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$1.7B
+1.6% YoY
+0.9% QoQ
|
-$647.4M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
1.32%
-7.3% YoY
-2.6% QoQ
|
-0.08% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.90%
+6.9% YoY
+1.4% QoQ
|
+0.03% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
67.28%
+7.3% YoY
+3.1% QoQ
|
+7.56% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.41%
+32.8% YoY
-4.4% QoQ
|
-0.45% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
78.01%
-3.1% YoY
-4.0% QoQ
|
-7.03% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
19.46%
-10.6% YoY
-19.8% QoQ
|
-1.81% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.39%
+31.0% YoY
-3.1% QoQ
|
-0.28% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
14.03%
+8.9% YoY
+4.8% QoQ
|
-0.82% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.28%
-3.6% YoY
+107.1% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
49% |
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 |
19.5%
-2.3pp YoY -4.8pp QoQ |
-1.9pp | 21.4% | 29.2% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
20.4%
-5.0pp YoY -1.5pp QoQ |
+6.4pp | 14.0% | 14.8% | 12.5% | 81% |
| CRE |
50.3%
+3.6pp YoY -0.4pp QoQ |
+0.3pp | 50.0% | 48.4% | 41.4% | 52% |
| 1-4 Family |
14.7%
+0.9pp YoY +1.0pp QoQ |
-11.7pp | 26.4% | 25.8% | 31.3% | 30% |
| Consumer |
2.0%
-0.3pp YoY 0.0pp QoQ |
-2.7pp | 4.7% | 4.7% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
+1.2pp YoY +0.6pp QoQ |
-1.6pp | 15.6% | 22.7% | 19.7% | 59% |
| Leverage Ratio |
11.2%
+0.5pp YoY +0.1pp QoQ |
-0.2pp | 11.3% | 12.6% | 12.6% | 63% |
| Total Capital Ratio |
15.1%
+1.2pp YoY +0.7pp QoQ |
-1.6pp | 16.7% | 23.8% | 20.8% | 57% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
254
+14 (+5.8%) YoY +9 (+3.7%) QoQ |
-60 | 313 | 186 | 482 | 56% |
| Assets per Employee ($) |
$7.4M
-4.8% YoY -2.8% QoQ |
-$3.1M | $10.5M | $10.1M | $8.8M | 29% |
| Branch Count |
13
+1 (+8.3%) YoY +1 (+8.3%) QoQ |
-7 | 20 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.3% | 0.4% | 13% |
| Nonaccrual |
0.4%
+0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 1.0% | 1.0% | 41% |
| Allowance Coverage |
2.89x
-23.4% YoY +6.2% QoQ |
-15.82x | 18.71x | 18.82x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
-3.3pp YoY -0.5pp QoQ |
+1.4pp | 12.6% | 13.2% | 11.6% | 66% |
| Cost of Funds (YTD) |
2.1%
-0.5pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.6% | 1.7% | 64% |
| Net Income ($, YTD) |
$12.3M
-7.3% YoY — QoQ |
-$7.0M | $19.2M | $15.9M | $40.4M | 50% |
Get Full Access to FirstBank Southwest
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.