# FIRSTBANK SOUTHWEST
AMARILLO, TX · FDIC certificate 3387 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $1.88B | |
| Deposits | $1.67B | |
| Loans and leases | $1.32B | |
| Total equity | $178.4M | |
| Loans / deposits | 78.01% (p28 of band) | 87.10% |
| Liquid assets / assets | 26.33% (p68 of band) | |
| Uninsured deposits / deposits | 34.12% (p59 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.27% (p17 of band) | |
| FHLB advances / assets | 0.27% | |
| Tier 1 leverage | 11.16% (p63 of band) | 10.50% |
| Unrealized securities loss / equity | -22.35% (p16 of band) | -7.75% |
| AOCI / equity | -0.14% (p61 of band) | |
| ROA (annualized) | 1.32% (p56 of band) | 1.26% |
| Net interest margin | 3.90% (p63 of band) | 3.70% |
| Efficiency ratio | 67.28% (p73 of band) | |
| Noncurrent loans | 0.41% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p75 of band) | |
| Reserve coverage of noncurrent | 288.61% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 111.49% (p92 of band) | |
| Auto loans | $12.7M (0.96% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $26.9M (15% of equity) (p90 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 254 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | assets shrinking |  |
| 2016-06 | 1 |  | assets shrinking |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 1 | capital falling | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | deposits shrinking |  |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 0 |  | capital falling, expense ratio p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | capital falling, construction >100% equity |  |
| 2022-12 | 2 |  | capital falling, construction >100% equity |
| 2023-03 | 2 | construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 2 | wholesale funding >15% | construction >100% equity |
| 2023-09 | 3 | capital falling, construction >100% equity | wholesale funding >15% |
| 2023-12 | 3 | brokered >10% | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | wholesale funding >15% |  |
| 2024-09 | 3 |  | wholesale funding >15% |
| 2024-12 | 2 |  | brokered >10% |
| 2025-03 | 4 | brokered >10%, capital falling |  |
| 2025-06 | 2 |  | brokered >10%, capital falling |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-03-27 [FirstBank Southwest announces new Canyon branch - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNQzJDS0Z0LXBvbGhGNTZ0aTRPMGpXZk1GUkZWRTU2VWFpTERjenBVSDZPN0VtYlZ3bFBETHhGMjRIRDNpTjh1SVlaU196V2h1aXlBTkxSSUZyRWlGSXNfS1RMMThsbl9CTEllSUI5SGxVTTNGeW42dWxoTkVzUjUyc0t0NU9DVUR6U0NEcEZ5MlB3bGpvaDNfajBhdTdNaHVwZW91eGZ5M216TFBwNExuajlfODhFTXd1UlVLTTdsNVlNTl9CVTFFVQ?oc=5) · Amarillo Globe-News
- 2026-03-16 [FirstBank Southwest Annouces Retirement of Pampa Market President, Kim Hill - Pampa News](https://news.google.com/rss/articles/CBMiugFBVV95cUxPSmUxM2RNdDR0Q0JLZ1VPWkQ0SGJQd2lLRTVBcTJPYkV6U3VYSkJ3TTNMUmlGSFZ3Zl9nUjVKVkRRQ1NRaXlia2ktV3Q0aVFFTDF4RnhxWEhKMFY5eUtqcTlyMmVZblNJMGdYTTNUYlh2OGtKREx0NndleGlTc3dqX2RYRHllNS1jZTZjVGVodG5YMkJ6Ti1WYWx2bkpGM2VfMFVMN0lNZXdVLU5yLUhHM1E4OE1HRG5jdkE?oc=5) · Pampa News
- 2026-05-22 [Canyon welcomes new FirstBank Southwest banking center - Amarillo Globe-News](https://news.google.com/rss/articles/CBMivgFBVV95cUxNWTdEUnAzREdHUVdxOW84YUVsVUJGakd6ODlXOU8tSkdKRUwxTnp1VmtOQ0h0SEN1c3VDa0FPVGNCc2lsd3J3amF6ZmI3TTl3U1p4Z080ZUxhb1AwX3Z0bG94UXVmamhlR1Q4QUZ2VlRYWDJwYkxaRVhzWjB0MUlJMi1IWXFoQm5kWGZYaWc3Q2p4bm9Wa0FUckFZd2IzSU5NemtvNVREeTFPNkRfSlF0ZzBCSXZJcDZkZ0pfMlR3?oc=5) · Amarillo Globe-News
- 2022-11-15 [FirstBank Southwest receives "Best Banks to Work For" award from American Banker - abc7amarillo.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxNUDlXOF93amFBSC1jVWVidnlZRmZfUG91d0VaM1k1NzVHV3A4dUlobnlBRGN1X0dhS3FqMGFsNjFWM2VzemxPdkJGbnExelo1THJDSXlnT0tKNFl2QlN6SXRoaDFKMDZrUlEwZWdOTWZZbHd0Y3lwYWEyRHR4cWItRHIzWXJYZ3kwUGhPeWgwR1dLMnhJN0VIeGlsVEl3cUNtdHBEZnpJLTQ4X0tUWnlNQno5SjRfWkN5dlBCWncyTTd2WVA5LWpPTG56cm10SW5peUxiTU55UVRBdVlfS0M5NXk1TVlsU0xhYzRSRkpLZEVTRFQ0c09rWTlLUG5OY3pScGc?oc=5) · abc7amarillo.com
- 2026-06-12 [FirstBank Southwest celebrates 2026 student leaders - Amarillo Globe-News](https://news.google.com/rss/articles/CBMivgFBVV95cUxQeU1kX0thNTVfQXgzTlVfU0lER01KYUVwanpmcDVOVjlXdndESm5RS2lSTWlTekNZZ0FfQ0FGaTBzWWNYbHdROHpmSmtMQ1JfNVJLOVBZb1JUM19YOFd6cDY0MDRnVU93ZzNpSmowMGlGbkdjc19QMVJiZXhVVWhwcC15clBVeDJUTGJ4NU5IYTQ5dmJwZ3h2aDJiR2tzSnlPYUNXTGUzeER4aGxPWUpsa0VKbmpQWTlZc0V5R1Fn?oc=5) · Amarillo Globe-News
- 2023-07-31 [FirstBank Southwest Tower experiences highest occupancy rate since 2018 - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMitAFBVV95cUxOWWlPVFk4ZjlvdGxjOTFRYVAwZ2JNMHZkNE93MjlaR1I5eVBFU0VINmc4N0JKdlJXYWN6TFlCeUt1cUF4eWR5UGJFel9WbDZRam8xX04tdEk5czF6LTV1Zk9MVTJLdUZyWWlWc1F1ejNYTGRYQldmNHVTaUxTbGoxVzJELVpQTFdkYU8xWm5XOG4xNXRqUU9tcklFand2TEtCZjRxX18zUjhwUC1Bb2g5V3U3UV_SAcgBQVVfeXFMUHFuSDkwSDFuTlpSclJUVEtOQTF4eDROWHM3YlJYdkVXTG5FLTF6SjFMZDRNbm5CMDl2Rzc4WEtFM0dMb2gzcDEyV2paTjhSajRuNHV3WjV4MGR0VTRkUnJTZjhSaHduYXhnQzJ1ZjFYMDBuMnBGeU9faXlkWjJBbGZWMEpyYlhxUklWQTBic1FpcFcwYXlBOHZyc2dYNzFmdUVmcE5hZTZ5ZUpEcVBOU2VEZzBZQmNxRFk3ZE9oT254aU4xVFRhSkY?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2021-11-09 [Lance E. Purcell – FirstBank Southwest - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxQb3R4UEI5WjVsRFJua18xb1FURlJYa3h4SG51VDJJOVhER2ZSWF81M3pOV2FYQ01yRGlzeGFLbjZkdGRmVDB2NVgxZjY1Uk85cHFHTnBwdHJJTm9YblozYURhSmxMUmhUUnhHWjZMY2ZVMlBUcWdkcHZyYm5xZzQ2MXdCYV9EVm8?oc=5) · Vanguard Law Magazine
- 2022-06-02 [FirstBank Southwest celebrating 115 years in business - abc7amarillo.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOd2l0R3hSb2kzOEN4UlRlUkFDYVJnWTd1UlVKajBKUk5Zb3dtQ2p5VlV3ZFJBdnVaUTlHWEQycmpTWURwVkZEUDVJdXU2RHpqajZ0WTBvZVFjbHJEN29xVXdpY3JJQ0ZIYjE1bU5VTWkzWlV0MTNSV0txRlB3RUowMldkREJjUFJQbVAwVGdQQWRKQ2Zk?oc=5) · abc7amarillo.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3387 (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/59.json (key "3387", 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