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Southwestern National Bank
Houston, TX · FDIC Certificate #34319 · Chartered 11/0
Total assets
$1.39B
Total deposits
$1.21B
Total equity
$169.78M
Net loans
$1.17B
Branches (offices)
9
Net income (YTD)
$10.09M
Rank: #791 of 4,213 U.S. banks by assets · #68 of 346 in Texas. Assets changed 7.0% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 12.42% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 12.20% |
| Tier 1 leverage ratio | 12.41% |
| Uninsured deposits (share of deposits) | 45.6% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 96.4% |
| Real estate loans (share of loans) | 93.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.10B | 93.9% | |
| Commercial & industrial | $85.45M | 7.3% | |
| Consumer / individual | $352.00K | 0.0% | |
| Construction & development | $69.26M | 5.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $884.34M | $758.66M | $6.59M | $106.44M |
| Jun 2023 | $1.01B | $879.07M | $4.28M | $120.58M |
| Jun 2024 | $1.20B | $1.07B | $5.57M | $130.53M |
| Jun 2025 | $1.30B | $1.14B | $7.92M | $142.98M |
| Jun 2026 | $1.39B | $1.21B | $10.09M | $169.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $992.21M | 6 |
| California | $220.48M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.21B.
Similar-sized banks
Ulster Savings Bank ($1.39B) · Alliance Bank ($1.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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