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Overview / Commentary
622 Douglas Avenue
Las Vegas, NM 87701

Southwest Capital Bank is headquartered in Las Vegas and is the 17st largest bank in the state of New Mexico. It is also the 2,649th largest bank in the nation. It was established in 1890 and as of December of 2013, it had grown to 58 employees at 5 locations. Southwest Capital Bank has a A+ 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 Capital Bank had $580,000 in non-current loans and owned real-estate with $26.68 million in equity and loan loss allowances on hand to cover it. This gives Southwest Capital Bank a Texas Ratio of 2.17% 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 Capital Bank decreased slightly from 2.53% as of December 31, 2012 to 2.17% as of December 31, 2013, resulting in a positive change of 14.21%.This indicates that the balance sheet and financial strength for Southwest Capital Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Southwest Capital Bank has increased its total deposits by $24.57 million, resulting in 14.91% 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 Capital 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 Capital Bank has $238.88 million in assets with $26.68 million in equity, resulting in a capitalization level of 11.17%, which is excellent.

Institution Statistics

FDIC Certificate #12258
Year Established1890
Primary RegulatorFDIC
Assets and Liabilities
Assets$238.88 million
Loans$166.67 million
Deposits$189.38 million
Equity Capital$24.08 million
Loan Loss Allowance$2.61 million
Unbacked Noncurrent Loans$580,000
Real Estate Owned$0
Historic Data - December 2012
Assets$204.37 million
Equity Capital$20.34 million
Loan Loss Allowance$2.32 million
Unbacked Noncurrent Loans$580,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.45%
Return on Assets2.1%
Return on Equity21.8%
Interest Income$10.46 million

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Southwest Capital Bank Locations
Mountain View Branch608 Mountain View DriveLas Vegas, NM 87701
Southwest Capital Bank622 Douglas AvenueLas Vegas, NM 87701
Pecos BranchIntersection Of County Roads 63 and 223Pecos, NM 87552
Mora BranchState Highway 3Mora, NM 87732
Hot Springs BranchValencia Avenue and Hot Springs BlvdLas Vegas, NM 87701