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4800 East 42nd Street
Odessa, TX 79762

Southwest Bank is headquartered in Odessa and is the 185th largest bank in the state of Texas. It is also the 2,157th largest bank in the nation. It was established in 1947 and as of December of 2013, it had grown to 98 employees at 6 locations. Southwest Bank has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Southwest Bank had $2.16 million in non-current loans and owned real-estate with $26.22 million in equity and loan loss allowances on hand to cover it. This gives Southwest Bank a Texas Ratio of 8.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Southwest Bank experienced no significant changes from 7.89% as of December 31, 2012 to 8.25% as of December 31, 2013, resulting in a negative change of 4.66%. This indicates that the balance sheet and financial strength for Southwest Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Southwest Bank has increased its total deposits by $41.46 million, resulting in 17.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Southwest Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Southwest Bank has $302.82 million in assets with $26.22 million in equity, resulting in a capitalization level of 8.66%, which is average.

Institution Statistics

FDIC Certificate #16652
Year Established1947
Primary RegulatorFDIC
Assets and Liabilities
Assets$302.82 million
Loans$172.99 million
Deposits$277.99 million
Equity Capital$23.93 million
Loan Loss Allowance$2.29 million
Unbacked Noncurrent Loans$2.16 million
Real Estate Owned$0
Historic Data - December 2012
Assets$256.23 million
Equity Capital$18.66 million
Loan Loss Allowance$2.12 million
Unbacked Noncurrent Loans$2.16 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets1.31%
Return on Equity18.04%
Interest Income$9.48 million

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Southwest Bank Locations
Lubbock Branch10115 Quaker AvenueLubbock, TX 79424
Wink Branch309 Henderson BoulevardWink, TX 79789
Southwest Bank4800 East 42nd StreetOdessa, TX 79762
Convenience Center Branch5201 John Shepperd ParkwayOdessa, TX 79762
Odessa Downtown Branch600 West 8th StreetOdessa, TX 79761