# SOUTHWESTERN NATIONAL BANK
HOUSTON, TX · FDIC certificate 34319 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $1.39B | |
| Deposits | $1.21B | |
| Loans and leases | $1.18B | |
| Total equity | $169.8M | |
| Loans / deposits | 96.44% (p78 of band) | 87.10% |
| Liquid assets / assets | 13.15% (p14 of band) | |
| Uninsured deposits / deposits | 45.57% (p84 of band) | 30.76% |
| Brokered deposits | 3.24% | |
| Wholesale funding | 3.24% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.41% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -0.98% (p89 of band) | -7.75% |
| AOCI / equity | -0.26% (p53 of band) | |
| ROA (annualized) | 1.46% (p67 of band) | 1.26% |
| Net interest margin | 3.96% (p65 of band) | 3.70% |
| Efficiency ratio | 54.08% (p36 of band) | |
| Noncurrent loans | 0.42% (p42 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p76 of band) | |
| Reserve coverage of noncurrent | 286.37% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 40.79% (p43 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 142 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2023-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-19 [Southwestern National Bank Introduces New Brand and Trade Name - EIN News](https://news.google.com/rss/articles/CBMipwFBVV95cUxOOWpZV2lfcEFNUFJGelkxRHEwTWxidWhJYzFRUTZrUWtoQTEwVW5CQUdtMEhKX2ExeEw5RlNLU0trb0YzWUs0ZW9pZzFfcGs4Zy1pUGZ1dDZkeVhSUFFFUFZPeVNxcTJMalhCUEtWeE43R1ZHbWNYejlBaXJoNDJKSWk4N1hqb2tYV3pMQXVaVGU5eEV3YlpqSURJd2ZJSVVCTV81WnN6MA?oc=5) · EIN News
- 2023-04-06 [OCC Hosts Minority Depository Institutions Advisory Committee Meeting April 25 and Appoints Four New Members - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTFBRQktDSW9CQkVqc0JHNWFjTTJfdng3NGJVb3l3T242RkZUWndEd1EtMWdRbDY1ODBCdDNEeEstMk8tUEEydlI1NmlkVTRRR0xpaXM4YU1MZGtMN2htNm41RkJNUEUxWTJORS1sanJJVHRjSjZKSktHbUZ5UXhRZw?oc=5) · occ.gov
- 2020-07-28 [Southwestern National Bank hires former Comerica exec as new CEO - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQeF9TbXdpS2V3akJoM2ZSeEtDdUtVd0tCWVJod3R4bm1fTUg4Rkw3TnFRX0FvZ1B0NUZVVFNBUThVdWxOYkJCMzZuOUIzRUNCcXlJNEJhZ0h4V2lJYnhrNGhpMU1DeDR1dTQ5bWt6aHRXRTA0bWNIVDh1S0lOaUF0X1MycWRkM2p2MFY5UHpoZDVMYkw5cVB1NVVkdFp1UQ?oc=5) · The Business Journals
- 2020-06-12 [Small banks were boosted by the Payroll Protection Program. Will it last? - Houston Chronicle](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcTRlUWVGUXgzNGtGWldiSnpHdGVhV2xWM0NMUEUtakZ1SXNkZ3dUSy1WMm1NWmtwNFRwejZCYWlaaGNFb2hOeHY3R05pTWxjb2psUTJScHk5SWF3TjBWUDA3Q2ZFeFBYNjM3dnJwU0dmY2czc1lkX1kwajlFQklIdThsUGUwRGNtMmxfdXZOSHFjbXdEMTB5UFVWQ0k1TEIxa295Nw?oc=5) · Houston Chronicle
- 2020-07-30 [Southwestern National Bank CEO eyes hiring, organic growth in new role - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNa3A3SjhtbTZ2Z1lMYVpCWGpZcDIwa3N2UWZlR1FCVUlLTTkxRnRGdVItV0szaVFhb2JaWmJOMmtlcU40bXRjTFFNOFBXYk5QUzNCdmM5VF9qaHBqQklfN2hMcHBBb0tTTHhFdUVDeVU1VXdoTWRJckNuaEtwNi1Qa18xbjBUbGZhdkxlTExCRmdCenVsOG0zdjNQc3ZJZVgwWEQwQkxENA?oc=5) · The Business Journals
- 2026-08-02 [Southwestern Bank Celebrates 21st Annual Scholarship Awards Ceremony - austinsouthasian.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWWR3UFg0VG9BdGd5MXAxV2ZET1FOQ09wT2FjaldJYzItQmtZWXdaT0xDSWFYT1JoMTd4N1l0ZE5UcHVxR3oxaU5PNnpWeEhsN0laTjhPd1VSWHhMdF9rZ3k0eEZtM0ZwT1lYbW1vd0lIQnFFRlQ4UGlmbVZOM2s0WmMtbVY1Q1k2dzJuWVNrWGUzc2tFZ0hSWXZ4THNtcmUxWmtRcHNmTVBRZw?oc=5) · austinsouthasian.com
- 2024-08-04 [Al Green Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOc0thOENKcUd6OGxYRzJVYjYxNEVjellEWldralo5eF9LVnZoSTdMOVNtTlFLUjQ0YnJlYTQxb0Q0UWRoZE1NcnAwaGpSeWEwbDR5NDJOVnZuUzliUW9hWWFfYXlRVlJ4V0k5TjV3SnNJWWdLSWNMX1FMTXF4S3J2MDUxQWtKQ2dNVFhJ?oc=5) · Quiver Quantitative
- 2018-09-12 [Houston bank ends planned merger, names new CEO, president - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOalI2OVhqaThRVi1nczVVTmhtTzlKMEJ2NEI1enpITE4ydzZma2tlRVZmaWhkY2FhMkRqc2hzYk04OFdoVU9qaThYVHFXMXc1VzlHLVhVenlUNUlaUFJNVXFEV1ZYWkJIUnlqQUVYRHFhdmd4ckFlN09aaXB1SXo4bnMzVFNZRDlWb3hmenVOR0M5cU9IbGE4VWI0UHRJRmdDaEtmVlZ3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34319 (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/15.json (key "34319", 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