Total Assets
$181M
Total balance-sheet footings
FDIC Cert #2247 · Roswell, New Mexico · Est. 1930
Bank of the Southwest - FDIC Bank Health Profile
A community-scale look at Bank of the Southwest's own numbers, pulled straight from its quarterly FDIC Call Report.
- $181M
- Total assets
- A
- Health grade · Excellent
- 1.94%
- Return on assets
- 15.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of the Southwest earns a PlainBankData health grade of A (89/100), with well-capitalized at 15.06% Tier 1, profitable at 1.94% ROA, 73% efficiency ratio.
- #3,148
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 15.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of the Southwest's 89/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of the Southwest's composite health score
Tier 1 Capital Ratio (15.06%) 40/40
Return on Assets (ROA) (1.94%) 25/25
Texas Ratio (1.59%) 20/20
Efficiency Ratio (72.58%) 4/15
89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$164M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of the Southwest ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of the Southwest's score of 89/100 falls in the highlighted band.
Bank of the Southwest's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of the Southwest's $181M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.06%
Texas Ratio
1.59%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.94%
Return on Equity (ROE)
20.45%
Efficiency Ratio
72.58%
What the numbers say about Bank of the Southwest
Bank of the Southwest is an FDIC-insured institution (Certificate #2247) headquartered in Roswell, New Mexico, established in 1930. It holds $181M in total assets - 3,148th of 4,313 FDIC-insured banks, $164M in customer deposits, and $118M in net loans. On safety, its Tier 1 capital ratio of 15.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.59% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (89/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Mexico, Bank of the Southwest ranks 24th of 29 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$957K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of the Southwest reports a Texas Ratio of 1.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of the Southwest (FDIC Cert #2247) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is Bank of the Southwest's health grade?▼
Bank of the Southwest receives a health grade of A (89/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of the Southwest?▼
Bank of the Southwest holds $181M in total assets and $164M in deposits, ranking 3,148th of 4,313 FDIC-insured banks by asset size. It is headquartered in Roswell, New Mexico.
Is my money safe at Bank of the Southwest?▼
Yes, deposits at Bank of the Southwest (Certificate #2247) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of the Southwest's Tier 1 Capital Ratio?▼
Bank of the Southwest has a Tier 1 Capital Ratio of 15.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of the Southwest?▼
Bank of the Southwest has a Texas Ratio of 1.59%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of the Southwest?▼
Bank of the Southwest has an Efficiency Ratio of 72.58%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of the Southwest's profile as a depositor or analyst.
- Bank of the Southwest's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of the Southwest against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.