FirstBank Southwest: how it compares with its peers
Against 72 TX banks with half to twice its assets, FirstBank Southwest's strongest measure in Q2 2026 is net interest margin (3.90% vs. a 3.96% peer median). Its weakest relative measure is efficiency ratio (67.28% vs. 58.21%).
| Measure | FirstBank Southwest | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.48% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.96% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.28% | 58.21% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $8.6M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.01% | 80.49% | Context |
What it means for lending operations
Its efficiency ratio of 67.28% is above the 58.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American Bank of Commerce Wolfforth, TX · $1.86B
- First State Bank Gainesville, TX · $1.85B
- North Dallas Bank & Trust Co. Dallas, TX · $1.81B
- First National Bank of Central Texas Waco, TX · $1.77B
- Commercial Bank of Texas, National Association Nacogdoches, TX · $1.69B
- First State Bank of Uvalde Uvalde, TX · $1.68B
Questions about FirstBank Southwest
How big is FirstBank Southwest?
FirstBank Southwest, established in 1907, is headquartered in Amarillo, TX. It reported $1.88B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is FirstBank Southwest's return on assets?
1.32% annualized in Q2 2026, against a 1.48% median for 72 TX banks with half to twice its assets, ahead of 40% of them.
What is FirstBank Southwest's efficiency ratio?
67.28% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 58.21%, and lower is better.
Is FirstBank Southwest growing its loans?
Net loans shrank 1.6% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.