# SOUTHWEST BANK
ODESSA, TX · FDIC certificate 16652 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $693.7M | |
| Deposits | $610.6M | |
| Loans and leases | $500.1M | |
| Total equity | $75.0M | |
| Loans / deposits | 79.83% (p45 of band) | 82.04% |
| Liquid assets / assets | 24.36% (p49 of band) | |
| Uninsured deposits / deposits | 52.00% (p96 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.33% (p60 of band) | 10.81% |
| Unrealized securities loss / equity | -7.23% (p53 of band) | -8.10% |
| AOCI / equity | 0.26% (p88 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.28% |
| Net interest margin | 5.59% (p98 of band) | 3.91% |
| Efficiency ratio | 63.68% (p58 of band) | |
| Noncurrent loans | 0.34% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 736.06% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 100.99% (p87 of band) | |
| Auto loans | $517,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.7% | |
| Employees | 128 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 3 | leverage <7% |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling, uninsured deposits leaving, leverage <7% |
| 2013-06 | 1 | leverage <7% | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | leverage <7% |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, charge-offs p90 |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | capital falling, charge-offs p90 |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 0 |  | capital falling, charge-offs p90 |
| 2020-06 | 2 | uninsured deposits >50%, leverage <7% |  |
| 2020-09 | 2 | charge-offs p90 | uninsured deposits >50% |
| 2020-12 | 1 |  | leverage <7% |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 | AOCI drag >20% of equity | uninsured deposits >50% |
| 2022-09 | 3 | uninsured deposits >50%, construction >100% equity | charge-offs p90 |
| 2022-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | uninsured deposits >50% |
| 2023-12 | 2 | uninsured deposits >50%, charge-offs p90 | construction >100% equity |
| 2024-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2024-06 | 0 |  | uninsured deposits >50%, noncurrent p90 |
| 2024-09 | 1 | uninsured deposits >50% |  |
| 2024-12 | 2 | charge-offs p90 |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 | noncurrent p90 | capital falling |
| 2025-12 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2026-03 | 3 | capital falling | charge-offs p90, reserve under noncurrent |
| 2026-06 | 3 | construction >100% equity, deposits shrinking | noncurrent p90, capital falling |

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

- 2018-02-20 [Simmons Bank Completes Merger of Southwest Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxOV2p3T3lEOGJ0Z1EzM2poWGJFWTJQZ0p2RDl4YTRMNHNGNm9nQVFndjhvV3lmbG9NVEdRMTBldlVtY3F2alVvTGI2TG9CaHpxWmtMY1hQUk5rWU9NWG43bmJmcTNqS1I1NUNudV9xOF9FWTl1Q3ZseWJHVV80QkUwR1hR?oc=5) · Arkansas Money &amp; Politics
- 2017-01-23 [Simmons announces $462 million deal with Texas bank, third deal in three months will push assets over $13 billion mark - Talk Business & Politics](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPVDVJQjRiTFRzdHJ2QnRiWWJRS1Y3TTNCWjFyMHRIcy1aUTNSQ3pyem9LZDN5NzIzYk9HZWh0MVZISk5NVFU3OHRjTFdxZXp5U0FOQ0s2WU12Wnc0bngweHJ3Y2FsajVteTYxUXMwX1JqS0Ita0lOY3JyTGdBNUd3VjRFU092b1dNWHdBRFZoSFBka2pETWNQZFQtTV9Rang4WUJoMkJEQzlTRFM5NkxUd3g3MkQybTk1Y0w0WUZSbFkzTTV0WlRUS2pCbHZEaVBsY2hmd0VZLTRVb0J4QnhONVBjaw?oc=5) · Talk Business &amp; Politics
- 2019-12-09 [Affiliated Bank, Odessa SouthWest Bank to merge, create bank with over $1B in deposits - The Business Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxPNnhaXzQ2Nm0tYmlDVFR0ZVhTZVh0ME12Wkxja29xektTVGpQTThmUWpJRXZTWHBOYll1M05iRnlhUVhYZS1NVzg4WkZfNkxXMlIxTldwY2ItMlhpdUVGcmVTSjlZUkJrN01Nb2JKZC0xNnYzdnZfTm1NQVlSUVRpc0pNS2xTcHd0MkotQmJmWHppTFc3cm1mSC1qSmY3Qll3dm50YWI4d211TGM5cE95dG9jcEhoVm10U0x6d0FDTQ?oc=5) · The Business Press
- 2022-12-22 [SouthWest Bank announces leadership succession plan - Odessa American](https://news.google.com/rss/articles/CBMijAFBVV95cUxOU21ZNXE1UUN5c2t2MTZVTTVwZVlvQTdSMkJTY1RPYzc1Rzd6c2NrLWtmNzhwTWFjZmU4Q3RnYlNsYzVpRGNZeE4xbGI2b1RGUUlibDJZUGxsRTROWUdZcUhSVEF5akJzc3pVU3NkUlIwMk5NMGtkY25WTGMyQUNWY2FLVVZWTjJBNnhoNw?oc=5) · Odessa American
- 2020-08-10 [Southwest Bank named in ponzi-style fraud lawsuit - newswest9.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQQ2JrVm5aV3gzVHktZlRsNFY1RXBzOE05UXBkNzJJRVdRYnZMcHFGVlM5MEtZX3dLSEJKY0xrUmVHb2s2OXpQa3k1S1VqV0FmVGlQT3lMYTNKZGhHMmpHWmxESHdDVzFGalRRM3pfRTB2OUNWek9qNkdPVmtmQjJ6dHpFdG9TX1luMUFJandsTTU1UEQ3Y0NfUlI4Sm11TDRzRmRRdGZZN1JhSmFzUG9rUXlB?oc=5) · newswest9.com
- 2020-07-30 [The bank and its subsidiary are suing a former employee for fraud - San Antonio Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxQQ1ZVY1FfcEZVM0twNmZMenh4VXcwZFhrSE5QVnlMR0lOWjNubjh3dzh1WWdGaEtEdjZxdFEwenJfWmRCblNjT3RGRXhNNDBZUW9mWXRBN2JROEJvaVZUODh3amhNY1JELTI1S2I2NXdHVlk0RWJGVVd5cmxoM21fSGFha0NDXzlxSXpVckhtWWctT0ctd2M5M3JFdWtOMVk?oc=5) · San Antonio Report
- 2016-07-16 [Southwest Bank welcomes new employees - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQX3pDejJPY1V4WE16b3VnMS03WllEYTNxUmh3TXJKZElpOXI1N1VtenVSeEk2dFM3RWwwazM1elFpNWM5VUNqd2xTSU1vaDllWXVKRk11RmVNRWp6cDNjRnlQWFFzeFNtcEpCNHpqM0pKdnk3ZmotM0pvNEtQejh4OTdoZVh6cUZpci1OYXRYQkJQY1h0UEhuLWZUMndscGJXRGdfZHBURnBQU3hXT3ZrZjZZTDBHUEsw?oc=5) · Lubbock Avalanche-Journal
- 2018-02-20 [Southwest Bank in Texas Now Operating Under Simmons Banner - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWW0zTDQ1WmRrXzVZQTFGakxEMWFzREdZUnFweGN5a3QtRFJvLUh2c0pWUEFWNWNKLU5XRlhLYXZXRHNxQk5iQ09MRElEdWlvdlBUMldyVmF6TFBCUFgxZE5hdEltSHpqNFFFSWxoblA3MXdva3N4NzNHcUw1RWxHYTAyaTBJbERjUG9GbGhhX29PS3JSY3FxTGxhU0tEREFTWUE?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16652 (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/12.json (key "16652", 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