Southwest Capital Bank is a state-chartered bank headquartered in Albuquerque, New Mexico, in business for about 136 years. At the end of Q2 2026 it reported $482.9M in total assets and $432.3M in deposits, with 6 offices.
Based on its Q2 2026 filing, Southwest Capital Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 26th. Its strongest component is problem-loan coverage (84/100; 7.9%), and its lowest is loan quality (45/100; 1.66%).
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 fell 14 points (75 → 61), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 43 |
| Q4 2024 | 66 |
| Q1 2025 | 73 |
| Q2 2025 | 75 |
| Q3 2025 | 65 |
| Q4 2025 | 60 |
| Q1 2026 | 58 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.98% |
| Q3 2024 | 9.69% |
| Q4 2024 | 10.13% |
| Q1 2025 | 10.05% |
| Q2 2025 | 9.75% |
| Q3 2025 | 9.67% |
| Q4 2025 | 10.51% |
| Q1 2026 | 10.71% |
| Q2 2026 | 10.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.77% |
| Q3 2024 | 4.18% |
| Q4 2024 | 1.15% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.45% |
| Q3 2025 | 1.44% |
| Q4 2025 | 2.14% |
| Q1 2026 | 2.07% |
| Q2 2026 | 1.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.62% |
| Q1 2025 | 1.63% |
| Q2 2025 | 2.17% |
| Q3 2025 | 1.94% |
| Q4 2025 | 1.80% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $482.9M | 10.82% | 1.66% | 1.23% | 55.2% |
| Q1 2026 | 58 | $471.5M | 10.71% | 2.07% | 1.32% | 49.2% |
| Q4 2025 | 60 | $477.4M | 10.51% | 2.14% | 1.80% | 47.0% |
| Q3 2025 | 65 | $489.5M | 9.67% | 1.44% | 1.94% | 43.4% |
| Q2 2025 | 75 | $506.9M | 9.75% | 0.45% | 2.17% | 39.6% |
| Q1 2025 | 73 | $499.4M | 10.05% | 0.46% | 1.63% | 38.5% |
| Q4 2024 | 66 | $476.5M | 10.13% | 1.15% | 1.62% | 40.6% |
| Q3 2024 | 43 | $484.2M | 9.69% | 4.18% | 1.11% | 40.2% |
| Q2 2024 | 41 | $474.5M | 9.98% | 4.77% | 0.86% | 40.3% |
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 New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens Bank of ClovisBank Clovis, NM | 80 out of 100, Strong | $493.1M | 12.2% | 0.04% | vs |
| First National BankBank Alamogordo, NM | 42 out of 100, Below average | $452.8M | 10.3% | 5.29% | vs |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |
| The Bank of ClovisBank Clovis, NM | 76 out of 100, Strong | $438.4M | 10.8% | 0.25% | vs |
| Centinel Bank of TaosBank Taos, NM | 79 out of 100, Strong | $424.8M | 9.2% | 0.00% | vs |
| Western BankBank Artesia, NM | 81 out of 100, Strong | $350.5M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Southwest Capital Bank?
Yes. Southwest Capital Bank is an FDIC-insured institution (FDIC certificate #12258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.9% of deposits ($189.7M) 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 10.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.72% (benchmark: 10%).
6 locations
Branches
Southwest Capital Bank lists 3 offices in 3 cities. Most locations:
- Albuquerque, NM (1)
- Las Vegas, NM (1)
- Pecos, NM (1)
Identity & history
Profile
- Legal name
- Southwest Capital Bank
- Former names
- The Bank of Las Vegas; The Las Vegas Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12258
- RSSD ID
- 206156
- Primary regulator
- FDIC
- Holding company
- Las Vegas Bcorp Inc
- Established
- December 1, 1890
- Headquarters
- 1410 Central Ave Sw, Albuquerque, NM 87104
- Website
- www.southwestcapital.com
- Employees
- 84
Quick answers
Southwest Capital Bank: common questions
Is Southwest Capital Bank FDIC insured?
Yes. Southwest Capital Bank is an FDIC-insured institution (FDIC certificate #12258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southwest Capital Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southwest Capital Bank ever failed?
There is no failure record for FDIC certificate #12258 in the FDIC failed bank list.
How many branches does Southwest Capital Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Albuquerque
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First New Mexico Bank of Silver CityBank Silver City, NM | 95 out of 100, Very strong | $147.5M | 14.3% | 0.16% | vs |
| DSRM National BankBank Albuquerque, NM | 94 out of 100, Very strong | $4.4M | 84.5% | 0.00% | vs |
| Main BankBank Albuquerque, NM | 82 out of 100, Strong | $245.2M | 11.5% | 0.00% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Citizens Bank of Las CrucesBank Las Cruces, NM | 76 out of 100, Strong | $1.2B | 10.4% | 0.43% | vs |
| Sandia Area Federal Credit UnionCredit union Albuquerque, NM | 75 out of 100, Strong | $1.4B | 11.4% | 0.15% | vs |