Total Assets
$716M
Total balance-sheet footings
FDIC Cert #16652 · Odessa, Texas · Est. 1947
Southwest Bank - FDIC Bank Health Profile
A community-scale look at Southwest Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $716M
- Total assets
- B
- Health grade · Good
- 1.64%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
Southwest Bank earns a PlainBankData health grade of B (75/100), with well-capitalized at 11.35% Tier 1, profitable at 1.64% ROA, efficient (57% cost ratio).
- #1,363
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 11.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 80th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Southwest Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Southwest Bank's composite health score
Tier 1 Capital Ratio (11.35%) 28/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (15.49%) 10/20
Efficiency Ratio (56.67%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$633M
Customer-funded liabilities
Net Loans
$480M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Southwest Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southwest Bank's score of 75/100 falls in the highlighted band.
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). Southwest Bank's $716M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.35%
Texas Ratio
15.49%
Equity Capital
$76M
Profitability metrics
Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
15.71%
Efficiency Ratio
56.67%
What the numbers say about Southwest Bank
Southwest Bank is an FDIC-insured institution (Certificate #16652) headquartered in Odessa, Texas, established in 1947. It holds $716M in total assets - 1,363rd of 4,313 FDIC-insured banks, $633M in customer deposits, and $480M in net loans. Its capital position: a Tier 1 ratio of 11.35%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 15.49% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (75 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Southwest Bank sits 122nd of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$46M
Interest Income
$7M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Southwest Bank reports a Texas Ratio of 15.49% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southwest Bank (FDIC Cert #16652) - 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 Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Southwest Bank's health grade?▼
Southwest Bank receives a health grade of B (75/100) 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 Southwest Bank?▼
Southwest Bank holds $716M in total assets and $633M in deposits, ranking 1,363rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Odessa, Texas.
Is my money safe at Southwest Bank?▼
Yes, deposits at Southwest Bank (Certificate #16652) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Southwest Bank's Tier 1 Capital Ratio?▼
Southwest Bank has a Tier 1 Capital Ratio of 11.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Southwest Bank?▼
Southwest Bank has a Texas Ratio of 15.49%. 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 Southwest Bank?▼
Southwest Bank has an Efficiency Ratio of 56.67%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Southwest Bank's profile as a depositor or analyst.
- Southwest Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Southwest Bank against other Texas banks before moving funds. Texas 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.