# SOUTHWEST CAPITAL BANK
ALBUQUERQUE, NM · FDIC certificate 12258 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $482.9M | |
| Deposits | $432.3M | |
| Loans and leases | $241.6M | |
| Total equity | $47.3M | |
| Loans / deposits | 55.18% (p9 of band) | 82.04% |
| Liquid assets / assets | 46.81% (p90 of band) | |
| Uninsured deposits / deposits | 43.87% (p91 of band) | 25.97% |
| Brokered deposits | 1.04% | |
| Wholesale funding | 1.04% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.82% (p51 of band) | 10.81% |
| Unrealized securities loss / equity | -29.78% (p13 of band) | -8.10% |
| AOCI / equity | -0.31% (p52 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.28% |
| Net interest margin | 4.10% (p61 of band) | 3.91% |
| Efficiency ratio | 70.33% (p74 of band) | |
| Noncurrent loans | 1.66% (p85 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 77.15% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 28.29% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 4 | loans exceed deposits, wholesale funding >15%, capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | construction >100% equity |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2017-09 | 4 | noncurrent p90, construction >100% equity | capital falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 | capital falling | noncurrent p90, construction >100% equity |
| 2018-06 | 1 |  | charge-offs p90, capital falling |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 2 | capital falling | reserve under noncurrent |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90, capital falling |
| 2019-06 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2019-09 | 6 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2019-12 | 4 |  | noncurrent p90, losing money |
| 2020-03 | 5 | losing money, expense ratio p90 | reserve under noncurrent |
| 2020-06 | 3 |  | deposits shrinking, assets shrinking |
| 2020-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 2 |  | charge-offs p90, losing money, expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 4 | capital falling, charge-offs p90 |  |
| 2021-12 | 2 |  | capital falling, charge-offs p90 |
| 2022-03 | 3 | securities losses >30% of equity |  |
| 2022-06 | 5 | uninsured deposits >50%, capital falling |  |
| 2022-09 | 6 | AOCI drag >20% of equity, construction >100% equity | capital falling |
| 2022-12 | 5 |  | construction >100% equity |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | deposits shrinking |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 1 |  | noncurrent p90, reserve under noncurrent, uninsured deposits >50%, capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 3 | noncurrent p90 | capital falling |
| 2026-03 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2026-06 | 2 |  | securities losses >30% of equity, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [Las Vegas to acquire century-old bank building for $1.5M to serve as new City Hall - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUndERUVaTHo3bGVQQWZHN1B5Q0VkMVMwU0xObjdaYTY4a2ZLZnFwSmd1Ni1aUnNDSm9FaGpBVnVUcjlRbTJNdTZsNHlIaFdIelQ1V3hfSXhUcDJ0N3dDWi0xbDhJM1ZIbmVxamNQak0yUllCdHg4VFg5TnF5QnRWZEZ5ckpRQ2I4SzNVOXFaQlpPcGltOWdkUEV3Q2F0WEN1aTRvdEh3?oc=5) · The Business Journals
- 2026-03-19 [Southwest Capital Bank, entering Santa Fe market, plans to build on Cordova Road - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMihwJBVV95cUxPRXJVek5kN0swZHgyRkNOWFJ2Q0h2REJ0SkJxYXA5NEx0VXlKdG00WncwWnRTNEJhcXdtZ3k2Q1JRellDaDcwWDdwZWltWlFidWtneEZOTFJiYWo4WlhYdy1xdmxMQUc3aGs2RXZaaTZHa2RCc0dMMzMzLXVvTGdyM29LTko2bGpZd200V0dVSkN5cEx5MW5PMzRqT3RabFBjZEJGVjhvUW1UWlFaSXd6aWQtLWxUT3A2eThzZGJhV1dvNHl4Tjg2YTc0ZWdtdG14WkhGLVNzZ18yVmJFMEpqdjduRUhhaVhYSU9HVnI0ckpSY0ZTYVpyMDVQb0JnX3c4dnliMmRfQQ?oc=5) · Santa Fe New Mexican
- 2026-07-08 [Southwest Capital Bank - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNc1RQaWg1bURmNU0xT3FRYWdRal9vaDZiMmtIUXQ2R0p5bGw5SHFyN2lxRFp0bHZ5ZDJQRnZhLVAyMzQtWERnUVl2V1RjUVZ3Tk5ET3hyYW1ZSG5ZNTVmLUNhWXJ2azlJcnZKcWpCcXdXaDZpb0Y1U05JcmZ3b3VoWmlNV2dnd3VkLWstdUdmbjEyZ3JoNVBLQll0UTVyUVNaWHc?oc=5) · The Business Journals
- 2026-06-21 [Albuquerque banks and credit unions shine on Forbes list - Albuquerque Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxQVTNzcTN0Y2VhRmhrSy15aGdKUll0OWZHeldwYTBkWGpZOVNDNHBhNU9xTFNHaXoxekVVdm5UNG5RMjlxbXpHcnZ0T1hBZjFFdW94UXROWGd6dGtaSDBJRHgxYjE1QTRwTWgtcmtCUGNBY25tSmJTTllubUFiZmJOQlhfY1lsbVBGVEoxZDNwR1NYSDRO?oc=5) · Albuquerque Journal
- 2024-08-16 [U.S. Eagle Federal Credit Union to buy Southwest Capital Bank - KRQE](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWWhOS2RJQzlyTzFKYndFdkRkZzlOZmNvU21KUllMVmVwUlg1M0VZbF9SR3QtUzVLUDZRQ0dfUnRoVzJ0dnZRNVBBN3o4TmhNZ0NxS3BXRzJOcTBOVzhUVXp0aFBNUzZ0a0w1NzFmZG9CTm5FZDYtbHFQQnlWOEZPcEF1Um85WXhGeFRJeTA4cHE4SElYVDhfaC1vV1hkUkXSAaQBQVVfeXFMTXdBY2dveE53TkN6SGYyWTRRaWZDMFJsVERFeE5yWXVNUGRUWGpGb2s2MU1tRWd3dG9aajFUeWh6RXFfS3I2MXprMjVjUm16dTUxWlpLbm5GYTFQbGh6dm4tQ29WbmR4dUJSVDM1SlR2d3FTX3dGSm8wR3dXblRMWkdXRG5TRzM2RG8tYmkwV2txOHpEaFJlbG9HclljeFFmdXRCUmo?oc=5) · KRQE
- 2026-03-17 [Southwest Capital Bank to build new branch, regional headquarters in Santa Fe - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPUFBURTlEZ3ZFWnJzbDgzNGhXR0swd0Yxa0szQ3M2QWRiZlhiN2owNEFUYmt4cmhVemN5bnBRclVKcTBkbUlSRzV6bzh1SlFfbVRQTWE0MVdXWmxUdERpUjhwWDc3N0ZjS2NYNERfZUl0QktuUzlKMUM2Y1BtSXo2d0w2Z0QwYTJQNU1IR3FHcTBsdnlFeEFseg?oc=5) · The Business Journals
- 2024-10-04 [FHLB Dallas, Del Norte Credit Union, Wells Fargo and Southwest Capital Bank Celebrate Awarding $550K in Grants to Support Tribal Housing in New Mexico - Business Wire](https://news.google.com/rss/articles/CBMisAJBVV95cUxPVGZ0S29QTUcwMkU1T051WFRtMllibjlqbmpOdWVwdGxNTmxENGl4dFNiQTRJT0FGQUdWQnpGMUVhUW9zLXFsdGRpb1d0dGpJQ1JsZUg0SFFOOGVYdnZ1RDZpNHI5MDR4Mk13NGZ2NjRhd0VFVXZTQkQwTTJNX2dOUmE1NGdFT2dtTTlwRDEyS0trQnNhSEtpNzNQNndpM0IxNXZFX09wUjhESmwwWXlFS2JSQzFUTVlteEZWcnB3UWt5bUhiMWFJYWd5X25TQWFyOFdFZy1VZzh0TnFicWZZMzBxbF84OS1HZF9USnNZM1NWbXlRa2hUa0VGRDVqdUZEX2sxNkZsM2xSa25FWUR2N1NQXzl2VnAwbnpjODdaSGlFN01UNzJKRFRzM0hKNnpB?oc=5) · Business Wire
- 2024-09-03 [US Eagle Federal Credit Union to buy Southwest Capital Bank - KOB 4](https://news.google.com/rss/articles/CBMilgFBVV95cUxOeGdYbzJ4bWI2SHhBOVctQlJnY3ZGdTBkYTVWZXBobzZlXzhDMzlIM01OLWNEQUthWVNzMC1IODZuQWd5SlZ2Y3NiQjFudnZtLTFxMG14dnZ3RTVwSEJ3TlQ0SnlrMnRhbWZqNE9RbkdVcmFFc3hXRUF2ZmEtRERCN1FOWHhtWWRGTUlCUmQ4VGpYUlR4Vmc?oc=5) · KOB 4

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12258 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "12258", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide