Southwest National Bank: how it compares with its peers
Against 59 KS banks with half to twice its assets, Southwest National Bank's strongest measure in Q2 2026 is net interest margin (4.41% vs. a 4.00% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.6M).
| Measure | Southwest National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.53% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 4.00% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.66% | 58.27% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.6M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.45% | 76.92% | Context |
What it means for lending operations
Its efficiency ratio of 71.66% is above the 58.27% 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
- Cornerstone Bank Overland Park, KS · $505M
- Bank of Commerce Chanute, KS · $497M
- The First State Bank Norton, KS · $493M
- Great American Bank Lawrence, KS · $513M
- First State Bank and Trust Tonganoxie, KS · $515M
- The Peoples Bank Pratt, KS · $531M
Questions about Southwest National Bank
How big is Southwest National Bank?
Southwest National Bank, established in 1915, is headquartered in Wichita, KS. It reported $502M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Southwest National Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.53% median for 59 KS banks with half to twice its assets, ahead of 19% of them.
What is Southwest National Bank's efficiency ratio?
71.66% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 58.27%, and lower is better.
Is Southwest National Bank growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits shrank 9.3%.
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 KS 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 Kansas bank ranked.