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Southwest Bank
Odessa, TX · FDIC Certificate #16652 · Chartered 12/1
Total assets
$693.66M
Total deposits
$610.60M
Total equity
$75.01M
Net loans
$487.47M
Branches (offices)
6
Net income (YTD)
$6.85M
Rank: #1,376 of 4,213 U.S. banks by assets · #124 of 346 in Texas. Assets changed -4.5% and deposits -5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 18.51% |
| Net interest margin (YTD) | 5.59% |
| Equity to assets | 10.81% |
| Tier 1 leverage ratio | 11.33% |
| Uninsured deposits (share of deposits) | 52.0% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.8% |
| Real estate loans (share of loans) | 59.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $292.00M | 59.9% | |
| Commercial & industrial | $205.30M | 42.1% | |
| Consumer / individual | $1.81M | 0.4% | |
| Construction & development | $75.75M | 15.5% | |
| Agricultural | $856.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $625.12M | $569.22M | $4.82M | $52.25M |
| Jun 2023 | $665.54M | $601.03M | $9.23M | $59.84M |
| Jun 2024 | $657.87M | $587.65M | $9.23M | $65.61M |
| Jun 2025 | $726.72M | $647.29M | $4.39M | $73.76M |
| Jun 2026 | $693.66M | $610.60M | $6.85M | $75.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $610.60M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $610.60M.
Similar-sized banks
Banknorth ($694.06M) · Baker-Boyer National Bank ($692.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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