Western Bank vs Bank of the Southwest
Side-by-side bank health comparison using FDIC financial data
Verdict
Western Bank has a stronger Bank Health Score of 100/100 (A) compared to Bank of the Southwest at 99/100 (A), a difference of 1 points. Western Bank holds a Tier 1 capital ratio of 14.90% and an NPL ratio of 0.00%.
| Metric | Western Bank | Bank of the Southwest |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.9% | 16.0%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 30.0% | 32.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 3.2%* | 2.2% |
| Total Assets | $341M | $178M |
| Total Deposits | $314M | $160M |
| Location | Artesia, New Mexico | Roswell, New Mexico |
Western Bank has a stronger Bank Health Score of 100/100 (A) compared to Bank of the Southwest at 99/100 (A), a difference of 1 points. Western Bank holds a Tier 1 capital ratio of 14.90% and an NPL ratio of 0.00%.