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6901 Corporate Drive
Houston, TX 77036

Southwestern National Bank is headquartered in Houston and is the 158th largest bank in the state of Texas. It is also the 1,876th largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 76 employees at 5 locations. Southwestern National Bank's money market rates are 2X the national average, and it 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 Southwestern National Bank had $5.92 million in non-current loans and owned real-estate with $42.94 million in equity and loan loss allowances on hand to cover it. This gives Southwestern National Bank a Texas Ratio of 13.80% 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 Southwestern National Bank decreased dramatically from 21.70% as of December 31, 2012 to 13.80% as of December 31, 2013, resulting in a positive change of 36.42%.This indicates that the balance sheet and financial strength for Southwestern National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Southwestern National Bank has increased its total deposits by $9.09 million, resulting in 3.18% 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 Southwestern National 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. Southwestern National Bank has $348.29 million in assets with $42.94 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

Institution Statistics

FDIC Certificate #34319
Year Established1997
Primary RegulatorOCC
Assets and Liabilities
Assets$348.29 million
Loans$110.93 million
Deposits$295.22 million
Equity Capital$37.32 million
Loan Loss Allowance$5.62 million
Unbacked Noncurrent Loans$3.08 million
Real Estate Owned$2.85 million
Historic Data - December 2012
Assets$340.10 million
Equity Capital$38.54 million
Loan Loss Allowance$6.68 million
Unbacked Noncurrent Loans$3.08 million
Real Estate Owned$2.45 million
Profit Margin - Quarterly
Net Interest Margin2.72%
Return on Assets0.63%
Return on Equity5.77%
Interest Income$10.66 million

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Southwestern National Bank Savings Account Rates

1.00%$15k-HSA Account
0.47%$25k-Savings Account

Southwestern National Bank Money Market Rates

0.90%$1m-Commercial Money Market Account
0.80%$500k-Personal Money Market Account
0.33%$1k-Horizon Money Market Account

Southwestern National Bank Checking Account Rates

0.55%$50k-Super NOW Account

Southwestern National Bank CD Rates

1.10%$99k-5 Year Jumbo CD
1.00%$99k-4 Year Jumbo CD
0.95%$99k-3 Year Jumbo CD
0.90%$1k$99k5 Year CD
0.85%$1k$99k3 Year CD
0.85%$1k$99k4 Year CD
0.80%$99k-2 Year Jumbo CD
0.70%$1k$99k2 Year CD
0.70%$99k-18 Month Jumbo CD
0.65%$99k-12 Month Jumbo CD
0.60%$1k$99k12 Month CD
0.60%$1k$99k18 Month CD
0.60%$99k-9 Month Jumbo CD
0.55%$1k$99k9 Month CD
0.30%$99k-6 Month Jumbo CD
0.25%$1k$99k6 Month CD
0.20%$99k-3 Month Jumbo CD
0.15%$1k$99k3 Month CD

Southwestern National Bank IRA Rates

0.85%$99k-2 Year Jumbo IRA
0.80%$1k$99k2 Year IRA
0.80%$99k-18 Month Jumbo IRA
0.75%$1k$99k18 Month IRA
0.75%$99k-12 Month Jumbo IRA
0.70%$1k$99k12 Month IRA

Southwestern National Bank Locations
Austin Branch11220 North Lamar, Suite A-100Austin, TX 78753
Richardson Office Branch1131 N. Jupiter Rd.Richardson, TX 75081
Plano Branch2304 Coit Road, Suite #600Plano, TX 75075
Sugar Land Branch3508 Highway 6Sugar Land, TX 77478
Southwestern National Bank6901 Corporate DriveHouston, TX 77036