BlastPoint's Banking Scorecard
First Southwest Bank
Designations: ✓ CDFI-certified
Durango, CO
6 branches across CO
First Southwest Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 21.5% in tier
- - ROA 0.58% below tier average
- - Net Interest Margin 0.57% below tier average
- - Efficiency Ratio 13.97% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$646.7M
+8.1% YoY
-2.5% QoQ
|
+$260.6M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$333.6M
+11.6% YoY
+1.3% QoQ
|
+$77.9M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$485.0M
+12.6% YoY
-2.4% QoQ
|
+$157.0M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
0.69%
+516.5% YoY
-14.6% QoQ
|
-0.58% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.36%
+4.6% YoY
+0.6% QoQ
|
-0.57% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
79.26%
-18.1% YoY
+10.3% QoQ
|
+13.97% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.05%
-75.7% YoY
-54.0% QoQ
|
-0.83% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
68.79%
-0.9% YoY
+3.8% QoQ
|
-7.85% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
15.93%
+1.4% YoY
-5.8% QoQ
|
-6.09% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.03%
-75.0% YoY
-52.2% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
26.88%
-17.8% YoY
-0.7% QoQ
|
+11.05% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
Top 5.0% in tier |
| Non-Interest Income / Assets ? |
0.14%
+92.3% YoY
-86.4% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
71% |
Get Full Access to First Southwest Bank
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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.