Southwestern National Bank: how it compares with its peers
Against 84 TX banks with half to twice its assets, Southwestern National Bank's strongest measure in Q2 2026 is efficiency ratio (54.08% vs. a 58.01% peer median). Its weakest relative measure is net interest margin (3.96% vs. 4.17%).
| Measure | Southwestern National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.54% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 4.17% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.08% | 58.01% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $8.5M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.44% | 79.74% | Context |
What it means for lending operations
Its efficiency ratio of 54.08% is better than the 58.01% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Alliance Bank Sulphur Springs, TX · $1.39B
- Wallis Bank Wallis, TX · $1.38B
- Texas Security Bank Dallas, TX · $1.38B
- The City National Bank of Sulphur Springs Sulphur Springs, TX · $1.37B
- SouthStar Bank, S.S.B. Moulton, TX · $1.37B
- Central Bank Houston, TX · $1.42B
Questions about Southwestern National Bank
How big is Southwestern National Bank?
Southwestern National Bank, established in 1997, is headquartered in Houston, TX. It reported $1.39B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Southwestern National Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.54% median for 84 TX banks with half to twice its assets, ahead of 45% of them.
What is Southwestern National Bank's efficiency ratio?
54.08% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 58.01%, and lower is better.
Is Southwestern National Bank growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 6.8%.
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.