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First Southwest Bank

$100M-$1B Specialty: Commercial CO FDIC cert 57741

Designations: ✓ CDFI-certified

Durango, CO

6 branches across CO

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 49 in CO.
  • Deposits +7.0% year over year ($491.7M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 0.60%.
  • Efficiency ratio 79.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.62% 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 49 in CO
View $100M-$1B leaderboard (CO) →

First Southwest Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 23.6% in tier
  • - ROA 0.73% below tier average
  • - Net Interest Margin 0.55% below tier average
  • - Efficiency Ratio 15.41% above tier average
Get updates when First Southwest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $657.5M
+5.4% YoY +1.7% QoQ
+$270.9M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
85%
Total Loans ? $337.4M
+8.8% YoY +1.1% QoQ
+$79.0M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $491.7M
+7.0% YoY +1.4% QoQ
+$164.9M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 0.60%
+93.2% YoY -13.5% QoQ
-0.73% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 3.43%
+4.3% YoY +2.1% QoQ
-0.55% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 79.89%
-10.6% YoY +0.8% QoQ
+15.41% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
Bottom 13.8% in tier
Delinquency Rate ? 0.04%
-86.0% YoY -19.5% QoQ
-0.87% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 68.62%
+1.6% YoY -0.3% QoQ
-9.34% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 16.37%
+15.4% YoY +2.7% QoQ
-5.66% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.04%
-77.4% YoY +25.8% QoQ
-0.63% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 26.56%
-14.0% YoY -1.2% QoQ
+10.65% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
Top 5.6% in tier
Non-Interest Income / Assets ? 0.23%
-4.7% YoY +62.1% QoQ
-0.34% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
59%

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 (CO) National Avg Tier Percentile
Noninterest-Bearing 16.4%
+2.2pp YoY
+0.4pp QoQ
 -5.8pp 22.1% 23.5% 22.2% 29%
Brokered Deposits 12.7%
-0.8pp YoY
-0.2pp QoQ
 +4.9pp 7.9% 7.4% 8.5% 81%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 10.1%
+1.4pp YoY
-0.3pp QoQ
 -1.5pp 11.6% 8.4% 12.5% 53%
CRE 50.3%
0.0pp YoY
+0.4pp QoQ
 +10.8pp 39.5% 42.8% 41.4% 70%
1-4 Family 16.9%
-0.5pp YoY
0.0pp QoQ
 -15.8pp 32.6% 33.0% 31.3% 23%
Consumer 2.3%
-0.2pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 3.9% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 26.6%
-4.3pp YoY
-0.3pp QoQ
 +7.7pp 18.8% 24.9% 19.7% 91%
Leverage Ratio 15.3%
-1.7pp YoY
+0.2pp QoQ
 +3.1pp 12.2% 12.5% 12.6% 88%
Total Capital Ratio 27.8%
-4.3pp YoY
-0.3pp QoQ
 +7.9pp 19.9% 26.1% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 95
-2 (-2.1%) YoY
-2 (-2.1%) QoQ
 +36 58 107 482 85%
Assets per Employee ($) $6.9M
+7.7% YoY
+3.8% QoQ
 -$598K $7.5M $7.8M $8.8M 51%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 10%
Allowance Coverage 30.36x
+559.8% YoY
+26.4% QoQ
 +6.20x 24.15x 12.16x 20.23x 91%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 4.5%
+2.5pp YoY
-0.7pp QoQ
 -7.7pp 12.2% 9.7% 11.6% 12%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 58%
Net Income ($, YTD) $2.0M
+112.7% YoY
— QoQ
 -$596K $2.6M $5.4M $40.4M 51%

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)

Liquidity Overhang

risk
#176 of 742 • Bottom 23.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.56%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 68.62%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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)

150
Tier 1 Capital Ratio
capital
Value: 26.56%
Peer Median: 15.91%
#150 of 2643 Top 5.6% in $100M-$1B
400
Total Assets
size
Value: $657.46M
Peer Median: $386.57M
#400 of 2643 Top 15.1% in $100M-$1B
507
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#507 of 2643 Top 19.1% in $100M-$1B
522
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#522 of 2633 Top 19.8% in $100M-$1B
555
Total Deposits
size
Value: $491.68M
Peer Median: $326.73M
#555 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (3 metrics)

2278
Efficiency Ratio
profitability
Value: 79.89%
Peer Median: 64.48%
#2278 of 2643 Bottom 13.8% in $100M-$1B
2247
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2247 of 2643 Bottom 15.0% in $100M-$1B
1995
Net Interest Margin
profitability
Value: 3.43%
Peer Median: 3.99%
#1995 of 2643 Bottom 24.6% in $100M-$1B
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