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Southwest National Bank

$100M-$1B Specialty: Commercial KS FDIC cert 4801

Wichita, KS

9 branches across KS

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 117 in KS.
  • Deposits -9.3% year over year ($403.8M on the books).
  • Delinquency rate 0.08%.
  • Return on assets 1.13%.
  • Efficiency ratio 71.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 106.45% 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 117 in KS
View $100M-$1B leaderboard (KS) →

Southwest National Bank has 2 strengths but faces 5 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

  • + Net Interest Margin 0.43% above tier average
  • + Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 2.7% in tier
  • - Liquidity Strain: Bottom 37.9% in tier
  • - Capital Constraint: Bottom 53.3% in tier
  • - ROA 0.19% below tier average
  • - Efficiency Ratio 7.18% above tier average
Get updates when Southwest National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $502.1M
-5.7% YoY +0.1% QoQ
+$115.6M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $429.9M
-2.5% YoY +1.6% QoQ
+$171.5M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $403.8M
-9.3% YoY -3.6% QoQ
+$77.1M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 1.13%
-4.4% YoY +6.3% QoQ
-0.19% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.41%
+5.5% YoY +1.8% QoQ
+0.43% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 71.66%
+2.6% YoY -0.8% QoQ
+7.18% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.08%
-45.1% YoY -27.1% QoQ
-0.84% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 106.45%
+7.5% YoY +5.4% QoQ
+28.50% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Bottom 5.1% in tier
Non-Interest-Bearing Deposit Share ? 21.09%
+14.3% YoY -1.4% QoQ
-0.94% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.07%
-43.2% YoY -26.0% QoQ
-0.60% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 10.32%
+2.5% YoY +2.8% QoQ
-5.58% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 14.7% in tier
Non-Interest Income / Assets ? 0.42%
+10.4% YoY +109.7% QoQ
-0.14% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 13.0% in tier

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 21.1%
+2.6pp YoY
-0.3pp QoQ
 -1.1pp 22.1% 22.3% 22.2% 50%
Brokered Deposits 1.0%
+0.1pp YoY
0.0pp QoQ
 -6.9pp 7.9% 8.7% 8.5% 18%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 7.9%
-0.2pp YoY
+0.2pp QoQ
 -3.7pp 11.6% 12.6% 12.5% 39%
CRE 32.6%
-1.1pp YoY
-1.3pp QoQ
 -7.0pp 39.5% 28.8% 41.4% 39%
1-4 Family 10.0%
+0.7pp YoY
+0.1pp QoQ
 -22.6pp 32.6% 26.7% 31.3% 11%
Consumer 50.2%
+0.6pp YoY
+0.9pp QoQ
 +46.1pp 4.1% 4.6% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 10.3%
+0.3pp YoY
+0.3pp QoQ
 -1.8pp 12.2% 12.6% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 110
-4 (-3.5%) YoY
-13 (-10.6%) QoQ
 +51 58 70 482 90%
Assets per Employee ($) $4.6M
-2.3% YoY
+11.9% QoQ
 -$3.0M $7.5M $7.1M $8.8M 9%
Branch Count 9
+1 (+12.5%) YoY
+1 (+12.5%) QoQ
 +4 4 6 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 19%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 14%
Allowance Coverage 11.24x
+70.7% YoY
+35.5% QoQ
 -12.91x 24.15x 22.44x 20.23x 83%
Net Charge-off Rate (YTD) 0.3%
0.0pp YoY
-0.1pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 11.6%
-1.0pp YoY
+0.6pp QoQ
 -0.6pp 12.2% 14.3% 11.6% 48%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.6% 1.7% 51%
Net Income ($, YTD) $2.9M
-9.2% YoY
— QoQ
 +$303K $2.6M $3.7M $40.4M 68%

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 (3)

Capital Thin

risk
#19 of 661 • Bottom 2.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.32%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#263 of 691 • Bottom 37.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 106.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#58 of 107 • Bottom 53.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 106.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.32%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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 (5 metrics)

345
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#345 of 2643 Top 13.0% in $100M-$1B
474
Total Loans
size
Value: $429.89M
Peer Median: $258.35M
#474 of 2643 Top 17.9% in $100M-$1B
626
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.92%
#626 of 2633 Top 23.7% in $100M-$1B
632
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#632 of 2643 Top 23.9% in $100M-$1B
652
Net Interest Margin
profitability
Value: 4.41%
Peer Median: 3.99%
#652 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (2 metrics)

2508
Loan-to-Deposit Ratio
liquidity
Value: 106.45%
Peer Median: 77.95%
#2508 of 2643 Bottom 5.1% in $100M-$1B
2255
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 15.91%
#2255 of 2643 Bottom 14.7% in $100M-$1B
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