Headquartered in Odessa, Texas, Southwest Bank is a state-chartered bank with $693.7M in total assets and $610.6M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1947.
Based on its Q2 2026 filing, Southwest Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 146th. Its strongest component is earnings (98/100; 1.95%), and its lowest is funding & liquidity (39/100; 80% loans-to-deposits, 52% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (66 → 76), mostly because the earnings component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 77 |
| Q1 2025 | 66 |
| Q2 2025 | 66 |
| Q3 2025 | 48 |
| Q4 2025 | 51 |
| Q1 2026 | 56 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.33% |
| Q3 2024 | 11.37% |
| Q4 2024 | 11.74% |
| Q1 2025 | 11.46% |
| Q2 2025 | 11.25% |
| Q3 2025 | 11.55% |
| Q4 2025 | 11.35% |
| Q1 2026 | 11.24% |
| Q2 2026 | 11.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.80% |
| Q3 2025 | 3.04% |
| Q4 2025 | 2.75% |
| Q1 2026 | 2.38% |
| Q2 2026 | 0.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.79% |
| Q3 2024 | 2.87% |
| Q4 2024 | 2.76% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.95% |
| Q2 2026 | 1.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $693.7M | 11.33% | 0.34% | 1.95% | 79.8% |
| Q1 2026 | 56 | $697.7M | 11.24% | 2.38% | 1.95% | 76.5% |
| Q4 2025 | 51 | $715.6M | 11.35% | 2.75% | 1.64% | 75.8% |
| Q3 2025 | 48 | $725.8M | 11.55% | 3.04% | 1.44% | 74.6% |
| Q2 2025 | 66 | $726.7M | 11.25% | 0.80% | 1.23% | 74.9% |
| Q1 2025 | 66 | $721.4M | 11.46% | 0.84% | 1.11% | 73.7% |
| Q4 2024 | 77 | $690.6M | 11.74% | 0.37% | 2.76% | 80.1% |
| Q3 2024 | 71 | $713.3M | 11.37% | 0.98% | 2.87% | 74.6% |
| Q2 2024 | 69 | $657.9M | 11.33% | 1.08% | 2.79% | 80.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Capital BankBank Jacinto City, TX | 77 out of 100, Strong | $689.7M | 10.8% | 0.01% | vs |
| First State Bank of LivingstonBank Livingston, TX | 71 out of 100, Strong | $689.3M | 15.5% | 1.93% | vs |
| First BankBank Burkburnett, TX | 81 out of 100, Strong | $703.6M | 13.9% | 0.80% | vs |
| Pilgrim BankBank Pittsburg, TX | 68 out of 100, Moderate | $714.6M | 10.2% | 0.15% | vs |
| TXN BankBank Hondo, TX | 64 out of 100, Moderate | $669.2M | 9.7% | 0.98% | vs |
Deposit insurance
Is my money safe at Southwest Bank?
Yes. Southwest Bank is an FDIC-insured institution (FDIC certificate #16652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.0% of deposits ($317.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
8 locations
Branches
Southwest Bank lists 6 offices in 3 cities. Most locations:
- Odessa, TX (3)
- Midland, TX (2)
- Lubbock, TX (1)
Identity & history
Profile
- Legal name
- Southwest Bank
- Former names
- Winkler County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16652
- RSSD ID
- 561864
- Primary regulator
- FDIC
- Holding company
- Odessa Sw Bancshares Inc
- Established
- December 15, 1947
- Headquarters
- 4800 E 42nd St, Odessa, TX 79762
- Website
- www.southwest.bank
- Employees
- 128
Quick answers
Southwest Bank: common questions
Is Southwest Bank FDIC insured?
Yes. Southwest Bank is an FDIC-insured institution (FDIC certificate #16652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southwest Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southwest Bank ever failed?
There is no failure record for FDIC certificate #16652 in the FDIC failed bank list.
How many branches does Southwest Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Odessa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Odessa Employees Credit UnionCredit union Odessa, TX | 89 out of 100, Very strong | $21.0M | 16.1% | 0.00% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| Midland Municipal Employees Credit UnionCredit union Midland, TX | 85 out of 100, Very strong | $17.1M | 14.9% | 0.44% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| Southwest Heritage Credit UnionCredit union Odessa, TX | 83 out of 100, Strong | $260.9M | 13.3% | 0.20% | vs |