Southwestern National Bank (FDIC #34319): Bank Stress & Real-Estate Credit Exposure
Southwestern National Bank (FDIC Cert #34319): bank stress 54/100, moderate, STABLE over 7 days; parent SWNB BCORP INC.
Southwestern National Bank (#34319) lends in 8 counties across 2 states; Southwestern National Bank (#34319) reaches 777 ZIP codes: Texas 5 counties, 356 ZIPs; California 3 counties, 421 ZIPs.
Southwestern National Bank (#34319) largest markets: Los Angeles County, CA (304 branches, 304 ZIPs) (#34319), Harris County, TX (143 branches, 143 ZIPs) (#34319), Dallas County, TX (190 branches, 95 ZIPs) (#34319), Orange County, CA (92 branches, 92 ZIPs) (#34319), Travis County, TX (63 branches, 63 ZIPs) (#34319), Collin County, TX (40 branches, 40 ZIPs) (#34319).
Southwestern National Bank (#34319) reports $1.39 billion in total assets; Southwestern National Bank (#34319) equity $169.8 million (12.2% of Southwestern National Bank (#34319) assets); Southwestern National Bank (#34319) domestic deposits $1.21 billion; Southwestern National Bank (#34319) net income $10.1 million; Southwestern National Bank (#34319) return on assets 1.46%; Southwestern National Bank (#34319) return on equity 12.42%; Southwestern National Bank (#34319) net interest income $26.1 million; Southwestern National Bank (#34319) call report June 30, 2026.
Southwestern National Bank (#34319) noncurrent real-estate loans 0.04% of its book; Southwestern National Bank (#34319) residential 0.04%; Southwestern National Bank (#34319) net charge-offs on real estate 0.31%; Southwestern National Bank (#34319) residential charge-offs 0.39%.
Southwestern National Bank (#34319) net interest margin 3.96% against an eight-quarter Southwestern National Bank (#34319) average of 3.60% (Southwestern National Bank (#34319) compression -0.35 points); Southwestern National Bank (#34319) real-estate loans 3.5% of equity; Southwestern National Bank (#34319) non-residential real estate 38.8% of equity; Southwestern National Bank (#34319) rate-exposure score 40/100, Southwestern National Bank (#34319) fixed-rate trap 40/100; Southwestern National Bank (#34319) risk type credit driven; Southwestern National Bank (#34319) rate regime rates elevated, Southwestern National Bank (#34319) snapshot October 20, 2026.
Southwestern National Bank (#34319) stress score moved from 56.4 on June 22, 2026 to 53.7 on October 20, 2026; Southwestern National Bank (#34319) ranged 53.7 to 56.4 over 117 snapshots.
Southwestern National Bank (#34319) alerts: 8 counties; top Southwestern National Bank (#34319) alert scores: Houston County, TX 23 (low); Anaheim County, TX 18 (low); Austin County, TX 18 (low); Los Angeles County, TX 18 (low); Plano County, TX 18 (low).