BlastPoint's Banking Scorecard

Southwestern National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 34319

Designations: ✓ Community bank ✓ Minority Depository Institution

Houston, TX

9 branches across TX · CA

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 +6.8% year over year ($1.2B on the books).
Delinquency rate 0.42%.
Return on assets 1.46%.
Efficiency ratio 54.08% vs a 59.73% peer average.
Loan-to-deposit ratio 96.44% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Southwestern National Bank has 4 strengths but faces 1 concern

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

+ ROA 0.07% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 5.64% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 45.5% in tier

Get updates when Southwestern National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.4B +7.0% YoY +0.3% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$1.2B +7.4% YoY +5.2% QoQ	-$793.7M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$1.2B +6.8% YoY -0.0% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.46% +16.0% YoY +11.8% QoQ	+0.07%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	3.96% +8.0% YoY +2.6% QoQ	+0.09%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	54.08% -9.0% YoY -1.8% QoQ	-5.64%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.42% +159.8% YoY -2.7% QoQ	-0.45%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	96.44% +0.6% YoY +5.2% QoQ	+11.41%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	17.95% +21.1% YoY +7.1% QoQ	-3.32%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.35% +160.7% YoY +2.1% QoQ	-0.32%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	14.54% +9.2% YoY -1.7% QoQ	-0.30%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.37% +31.3% YoY +105.6% QoQ	-0.16%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	67%

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	18.0% +3.1pp YoY +1.2pp QoQ	-3.4pp	21.4%	29.2%	22.2%	40%
Brokered Deposits	3.7% -1.2pp YoY 0.0pp QoQ	-5.7pp	9.5%	8.0%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	7.3% +1.7pp YoY +0.2pp QoQ	-6.7pp	14.0%	14.8%	12.5%	30%
CRE	85.7% -0.9pp YoY 0.0pp QoQ	+35.7pp	50.0%	48.4%	41.4%	98%
1-4 Family	8.1% -0.8pp YoY -0.3pp QoQ	-18.3pp	26.4%	25.8%	31.3%	12%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	4.7%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.5% +1.2pp YoY -0.3pp QoQ	-1.1pp	15.6%	22.7%	19.7%	65%
Leverage Ratio	12.4% +1.2pp YoY +0.5pp QoQ	+1.1pp	11.3%	12.6%	12.6%	80%
Total Capital Ratio	15.8% +1.2pp YoY -0.3pp QoQ	-0.9pp	16.7%	23.8%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	142 -1 (-0.7%) YoY -3 (-2.1%) QoQ	-172	313	186	482	20%
Assets per Employee ($)	$9.8M +7.8% YoY +2.5% QoQ	-$681K	$10.5M	$10.1M	$8.8M	63%
Branch Count	9 0 YoY 0 QoQ	-11	20	12	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.1pp	0.2%	0.3%	0.4%	62%
Nonaccrual	0.4% +0.2pp YoY -0.1pp QoQ	-0.5pp	0.8%	1.0%	1.0%	37%
Allowance Coverage	2.86x -61.1% YoY -0.6% QoQ	-15.85x	18.71x	18.82x	20.23x	61%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.4% +1.1pp YoY +1.1pp QoQ	-0.2pp	12.6%	13.2%	11.6%	52%
Cost of Funds (YTD)	2.8% -0.4pp YoY 0.0pp QoQ	+0.9pp	1.9%	1.6%	1.7%	92%
Net Income ($, YTD)	$10.1M +27.5% YoY — QoQ	-$9.1M	$19.2M	$15.9M	$40.4M	40%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#184 of 402 • Bottom 45.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

692

Loan-to-Deposit Ratio

liquidity

Value: 96.44%

Peer Median: 85.04%

#692 of 885 Bottom 21.9% in $1B-$10B