TellerScore

Southwest National Bank is a national bank headquartered in Wichita, Kansas, in business for about 111 years. At the end of Q2 2026 it reported $502.1M in total assets and $403.8M in deposits, with 9 offices.

Southwest National Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 126th. Problem-loan coverage contributes the most (99/100, 0.6%); funding & liquidity contributes the least (48/100, 106% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.32%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 106.5% · 20.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.63%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202465
Q1 202569
Q2 202570
Q3 202571
Q4 202571
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.33%
Q3 20249.50%
Q4 20249.69%
Q1 20259.87%
Q2 202510.07%
Q3 202510.15%
Q4 20259.92%
Q1 202610.05%
Q2 202610.32%
Noncurrent loans
0.08%0.21%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.34%
Q4 20240.29%
Q1 20250.16%
Q2 20250.14%
Q3 20250.16%
Q4 20250.08%
Q1 20260.11%
Q2 20260.08%
Return on assets
0.81%1.02%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.81%
Q4 20240.87%
Q1 20251.07%
Q2 20251.18%
Q3 20251.21%
Q4 20251.23%
Q1 20261.06%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$502.1M10.32%0.08%1.13%106.5%
Q1 202670$501.7M10.05%0.11%1.06%101.0%
Q4 202571$513.2M9.92%0.08%1.23%98.0%
Q3 202571$516.2M10.15%0.16%1.21%99.3%
Q2 202570$532.6M10.07%0.14%1.18%99.0%
Q1 202569$529.1M9.87%0.16%1.07%103.4%
Q4 202465$535.3M9.69%0.29%0.87%102.2%
Q3 202464$547.9M9.50%0.34%0.81%100.6%
Q2 202463$548.6M9.33%0.26%0.81%104.7%

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).

Capital ratio10.32%
38th
Total risk-based capital0.00%
24th
Problem loans0.08%
76th
Net charge-offs0.28%
9th
Return on assets1.13%
43rd
Net interest margin4.41%
75th
Efficiency ratio71.7%
26th
Loans to deposits106.5%
5th
Uninsured deposits20.4%
63rd
Loan-loss reserves0.87%
15th
Texas ratio0.6%
75th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Cornerstone BankBank Overland Park, KS68 out of 100, Moderate$504.9M9.2%0.05%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs
The First State BankBank Norton, KS90 out of 100, Very strong$493.2M13.1%0.10%vs
Great American BankBank Lawrence, KS80 out of 100, Strong$513.2M11.0%0.00%vs
First State Bank and TrustBank Tonganoxie, KS66 out of 100, Moderate$514.9M8.6%0.48%vs
The Peoples BankBank Pratt, KS75 out of 100, Strong$531.1M9.3%0.37%vs

Deposit insurance

Is my money safe at Southwest National Bank?

Yes. Southwest National Bank is an FDIC-insured institution (FDIC certificate #4801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.4% of deposits ($82.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, 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%).

Check how much of your own balance is covered

9 locations

Branches

Southwest National Bank lists 6 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southwest National Bank reported 50 home-loan applications under HMDA (LEI 549300FJI86JAMJGHR47): 49 originated ($8,015,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Southwest National Bank
Former names
The Southwest National Bank of Wichita
Type
National bank
FDIC certificate #
4801
RSSD ID
499855
Primary regulator
OCC
Holding company
Republic Financial Corp
Established
January 1, 1915
Headquarters
400 E Douglas Ave, Wichita, KS 67202
Employees
110

Quick answers

Southwest National Bank: common questions

Is Southwest National Bank FDIC insured?

Yes. Southwest National Bank is an FDIC-insured institution (FDIC certificate #4801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southwest National Bank's TellerScore?

70 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 National Bank ever failed?

There is no failure record for FDIC certificate #4801 in the FDIC failed bank list.

How many branches does Southwest National Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wichita

InstitutionScoreAssetsCapitalProblem loansCompare
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
The Valley State BankBank Belle Plaine, KS78 out of 100, Strong$200.5M12.2%0.09%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs