Total Assets
$664M
Total balance-sheet footings
FDIC Cert #57741 · Durango, Colorado · Est. 2004
First Southwest Bank - FDIC Bank Health Profile
A community-scale look at First Southwest Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $664M
- Total assets
- B
- Health grade · Good
- 0.81%
- Return on assets
- 27.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Southwest Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 27.08% Tier 1, 0.81% ROA, 72% efficiency ratio.
- #1,435
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 27.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Southwest Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Southwest Bank's composite health score
Tier 1 Capital Ratio (27.08%) 40/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (71.88%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$497M
Customer-funded liabilities
Net Loans
$329M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Southwest Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Southwest Bank's score of 78/100 falls in the highlighted band.
First Southwest Bank'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). First Southwest Bank's $664M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
27.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
27.08%
Texas Ratio
0.43%
Equity Capital
$87M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
5.50%
Efficiency Ratio
71.88%
What the numbers say about First Southwest Bank
First Southwest Bank is an FDIC-insured institution (Certificate #57741) headquartered in Durango, Colorado, established in 2004. It holds $664M in total assets - 1,435th of 4,313 FDIC-insured banks, $497M in customer deposits, and $329M in net loans. Its capital position: a Tier 1 ratio of 27.08%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.43% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Southwest Bank sits 15th of 65 banks headquartered in Colorado by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$7M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Southwest Bank reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Southwest Bank (FDIC Cert #57741) - 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 Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is First Southwest Bank's health grade?▼
First Southwest Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Southwest Bank?▼
First Southwest Bank holds $664M in total assets and $497M in deposits, ranking 1,435th of 4,313 FDIC-insured banks by asset size. It is headquartered in Durango, Colorado.
Is my money safe at First Southwest Bank?▼
Yes, deposits at First Southwest Bank (Certificate #57741) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Southwest Bank's Tier 1 Capital Ratio?▼
First Southwest Bank has a Tier 1 Capital Ratio of 27.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Southwest Bank?▼
First Southwest Bank has a Texas Ratio of 0.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Southwest Bank?▼
First Southwest Bank has an Efficiency Ratio of 71.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Southwest Bank's profile as a depositor or analyst.
- First Southwest Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Southwest Bank against other Colorado banks before moving funds. Colorado 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.