Southwest National Bank

Southwest National Bank is headquartered in Weatherford and is the 175^th largest bank in the state of Oklahoma. It is also the 6,051^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 20 employees at 2 locations. Southwest National Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Southwest National Bank Checking Account Rates

Southwest National Bank Savings Account Rates

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Southwest National Bank CD Rates

Data for Q1 2012

Institution Statistics Southwest National Bank FDIC Certificate # 4076 BankRate Report View Year Established 1907 Employees 20 Primary Regulator OCC Assets and Liabilities Assets $60.88 million Loans $28.84 million Deposits $52.77 million Equity Capital $7.55 million Loan Loss Allowance $640,000 Unbacked Noncurrent Loans $583,000 Real Estate Owned $202,000 Historic Data - March 2011 Assets $55.50 million Equity Capital $6.80 million Loan Loss Allowance $657,000 Unbacked Noncurrent Loans $730,000 Real Estate Owned $213,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.74% Return on Equity 14.15% Interest Income $686,000

Institution Health Overall Score: 5 out of 5 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 March 31, 2012 Southwest National Bank had $785,000 in non-current loans and owned real-estate with $8.19 million in equity and loan loss allowances on hand to cover it. This gives Southwest National Bank a Texas Ratio of 9.58% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Southwest National Bank decreased slightly from 12.65% as of March 31, 2011 to 9.58% as of March 31, 2012, resulting in a positive change of 24.27%.This indicates that the balance sheet and financial strength for Southwest National Bank has improved slightly in recent periods. Deposit Growth In the past year, Southwest National Bank has increased its total deposits by $4.62 million, resulting in 9.59% 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 National Bank has shown is excellent. Capitalization 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 National Bank has $60.88 million in assets with $8.19 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

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