TellerScore

Southwestern National Bank is a national bank headquartered in Houston, Texas, in business for about 29 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 9 offices across 2 states.

Based on its Q2 2026 filing, Southwestern National Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 184th. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is funding & liquidity (30/100; 96% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.41%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings78/100
Return on assets (annualized): 1.46%
Funding & liquidity30/100
Loans ÷ deposits and uninsured-deposit share: 96.4% · 45.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.67%

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 2 points (71 → 73), mostly because the capital cushion component improved by 12 points.

TellerScore
707273Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202472
Q1 202573
Q2 202571
Q3 202571
Q4 202571
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%8.70%12.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.21%
Q3 202411.22%
Q4 202411.77%
Q1 202511.53%
Q2 202511.21%
Q3 202511.54%
Q4 202511.53%
Q1 202611.95%
Q2 202612.41%
Noncurrent loans
0.02%0.22%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.14%
Q4 20240.04%
Q1 20250.02%
Q2 20250.16%
Q3 20250.20%
Q4 20250.40%
Q1 20260.43%
Q2 20260.42%
Return on assets
0.97%1.21%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.04%
Q4 20241.08%
Q1 20251.17%
Q2 20251.26%
Q3 20251.29%
Q4 20251.33%
Q1 20261.30%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$1.4B12.41%0.42%1.46%96.4%
Q1 202672$1.4B11.95%0.43%1.30%91.7%
Q4 202571$1.4B11.53%0.40%1.33%91.8%
Q3 202571$1.3B11.54%0.20%1.29%97.7%
Q2 202571$1.3B11.21%0.16%1.26%95.9%
Q1 202573$1.3B11.53%0.02%1.17%95.3%
Q4 202472$1.2B11.77%0.04%1.08%96.9%
Q3 202470$1.2B11.22%0.14%1.04%90.2%
Q2 202471$1.2B11.21%0.10%0.97%91.7%

897 peers · $1 billion – $10 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 ratio12.41%
80th
Total risk-based capital15.79%
75th
Problem loans0.42%
58th
Net charge-offs0.13%
26th
Return on assets1.46%
67th
Net interest margin3.96%
65th
Efficiency ratio54.1%
65th
Loans to deposits96.4%
22nd
Uninsured deposits45.6%
16th
Loan-loss reserves1.19%
57th
Texas ratio2.7%
61st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Sulphur Springs, TX68 out of 100, Moderate$1.4B10.4%0.55%vs
Wallis BankBank Wallis, TX58 out of 100, Moderate$1.4B10.1%1.43%vs
Texas Security BankBank Dallas, TX63 out of 100, Moderate$1.4B9.6%0.41%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Central BankBank Houston, TX70 out of 100, Strong$1.4B10.1%0.54%vs

Deposit insurance

Is my money safe at Southwestern National Bank?

Yes. Southwestern National Bank is an FDIC-insured institution (FDIC certificate #34319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.6% of deposits ($552.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.79% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Southwestern National Bank lists 9 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southwestern National Bank reported 111 home-loan applications under HMDA (LEI 254900VK6BPC7QRSZD77): 99 originated ($37,905,000 total), 4 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, 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
Southwestern National Bank
Type
National bank
FDIC certificate #
34319
RSSD ID
2625724
Primary regulator
OCC
Holding company
Swnb Bcorp Inc
Established
November 3, 1997
Headquarters
9601 Bellaire Blvd, Houston, TX 77036
Employees
142

Quick answers

Southwestern National Bank: common questions

Is Southwestern National Bank FDIC insured?

Yes. Southwestern National Bank is an FDIC-insured institution (FDIC certificate #34319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southwestern National Bank's TellerScore?

73 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 Southwestern National Bank ever failed?

There is no failure record for FDIC certificate #34319 in the FDIC failed bank list.

How many branches does Southwestern National Bank have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

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Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
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