BlastPoint's Banking Scorecard
Southwest National Bank
Wichita, KS
9 branches across KS
Southwest National Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1.8% in tier
- - Liquidity Strain: Bottom 8.4% in tier
- - Capital Constraint: Bottom 45.4% in tier
- - ROA 0.21% below tier average
- - Efficiency Ratio 6.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$501.7M
-5.2% YoY
-2.2% QoQ
|
+$115.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$423.0M
-7.4% YoY
+1.0% QoQ
|
+$167.3M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$418.8M
-5.2% YoY
-2.1% QoQ
|
+$90.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.06%
-1.1% YoY
-13.9% QoQ
|
-0.21% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
4.33%
+3.8% YoY
+1.2% QoQ
|
+0.40% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
72.22%
+1.8% YoY
+5.3% QoQ
|
+6.93% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.11%
-32.1% YoY
+25.8% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
101.01%
-2.4% YoY
+3.1% QoQ
|
+24.37% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.39%
+10.2% YoY
+2.0% QoQ
|
-0.63% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.09%
-60.3% YoY
+29.9% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
10.05%
+1.8% YoY
+1.3% QoQ
|
-5.78% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.3% in tier |
| Non-Interest Income / Assets ? |
0.20%
+7.9% YoY
-74.7% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 14.0% in tier |
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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 (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.