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BDI
FS

First Southwest Bank

Durango, ColoradoFDIC Cert #57741

STATEEstablished 20046 branches

Holding company: FIRST SOUTHWEST BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.69%
+516.5%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC + ROA
ROE
5.17%
+626.1%y/y
Peer standing9th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC + ROE
Pretax ROA
0.88%
+729.0%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC + ASSET
NIM
3.36%
+4.6%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NIMY
Earning yield
5.17%
+5.6%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICINTINCY
IB deposit cost
2.69%
+9.4%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
79.26%
−18.1%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.92%
−6.9%y/y
Peer standing28th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONIX + ASSET
Fee share
15.28%
+62.6%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII + NIM
Assets YoY
+8.09%
−30.8%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits YoY
+12.61%
−24.5%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Loans YoY
+11.61%
+23.9%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
14th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDICNETINC + ROE
9th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDICNIM + NIMY
21st percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDICNONIX + NIM + NONII + EEFFR
10th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDICDEP
87th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDICLNLSNET
78th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
17th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDICRBC1AAJ
92nd percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.81%Median 10.57%90th 14.35%Observations 1,278

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
35th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
34th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 48%Median 174%90th 319%Observations 754

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.