Southwest Bank (FDIC #16652): Bank Stress & Real-Estate Credit Exposure
Southwest Bank (FDIC Cert #16652): bank stress 49/100, moderate, STABLE over 7 days; parent ODESSA SW BANCSHARES INC.
Southwest Bank (#16652) lends in 3 counties across 1 state; Southwest Bank (#16652) reaches 44 ZIP codes: Texas 3 counties, 44 ZIPs.
Southwest Bank (#16652) largest markets: Lubbock County, TX (26 branches, 26 ZIPs) (#16652), Ector County, TX (33 branches, 11 ZIPs) (#16652), Midland County, TX (18 branches, 9 ZIPs) (#16652).
Southwest Bank (#16652) reports $693.7 million in total assets; Southwest Bank (#16652) equity $73.7 million (10.6% of Southwest Bank (#16652) assets); Southwest Bank (#16652) domestic deposits $610.6 million; Southwest Bank (#16652) net income $6.9 million; Southwest Bank (#16652) return on assets 1.95%; Southwest Bank (#16652) return on equity 18.51%; Southwest Bank (#16652) net interest income $18.5 million; Southwest Bank (#16652) call report June 30, 2026.
Southwest Bank (#16652) noncurrent real-estate loans 0.02% of its book; Southwest Bank (#16652) residential 0.04%; Southwest Bank (#16652) net charge-offs on real estate 0.44%; Southwest Bank (#16652) residential charge-offs 0.74%.
Southwest Bank (#16652) net interest margin 5.59% against an eight-quarter Southwest Bank (#16652) average of 5.94% (Southwest Bank (#16652) compression 0.35 points); Southwest Bank (#16652) real-estate loans 2.3% of equity; Southwest Bank (#16652) non-residential real estate 73.5% of equity; Southwest Bank (#16652) rate-exposure score 40/100, Southwest Bank (#16652) fixed-rate trap 40/100; Southwest Bank (#16652) risk type credit driven; Southwest Bank (#16652) rate regime rates elevated, Southwest Bank (#16652) snapshot October 19, 2026.
Southwest Bank (#16652) stress score moved from 48.9 on June 22, 2026 to 49.4 on October 19, 2026; Southwest Bank (#16652) ranged 48.9 to 49.4 over 116 snapshots.
Southwest Bank (#16652) alerts: 3 counties; top Southwest Bank (#16652) alert scores: Lubbock County, TX 24 (low); Midland County, TX 21 (low); Odessa County, TX 17 (low).