The catalogue › United States › Southwest

The regional note · prepared 8 September 2026

Southwest

560 banks and 503 credit unions read from their latest filings, every state in the Southwest ranked against the others and the largest institutions against each other.

Small-business lending ↓

The states Texas · Oklahoma · New Mexico · Arizona

Banks

560 banks filing across 4 states · read from the 30 June 2026 Call Report

560

banks filing

$1.24T in assets

+9.8%

Loans, year over year

on the banks filing at both dates

26.0%

CRE / loans

in aggregate

63%

Loans / deposits

in aggregate

1.97%

Noncurrent / loans

+48 bps on a year earlier

9.7%

Equity / assets

in aggregate

The Southwest's 560 banks hold $1.24T in assets at 30 June 2026, across 4 states. Charles Schwab Bank SSB is the largest at $251B, and the five largest hold 45% of the total; 120 institutions are above $1B, holding $813B. Texas holds the most, $804B.

Loans grew +9.8% in the year on the banks filing at both dates, fastest in Texas at +11.3% and slowest in Oklahoma at +7.0%. Noncurrent loans are 1.97% of the book, up 48 basis points on a year earlier; the rate rose in 3 states and fell in 1, rising most in Oklahoma (+113 bps) and highest outright in Oklahoma at 5.13%.

By category, 1-4 family residential loans went late the most, the noncurrent rate +134 bps to 4.96%, then multifamily (+49 bps to 1.40%); credit card improved the most, -1 bps. Commercial real estate is 26.0% of loans in aggregate, heaviest in New Mexico at 40.4%; the banks lend 63% of their deposits, and equity is 9.7% of assets.

The largest banks, by size

the twenty largest in each band headquartered in the Southwest; each has its own read in the catalogue

Under $1B: the 20 largest of 435banks headquartered in the Southwest, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Vision Bank	OK	$1000M	+1.5%	29.5%	84%	2.59%	1.23%	7.3%
2	Ciera Bank	TX	$993M	+13.1%	56.1%	88%	1.22%	1.48%	11.2%
3	Hometown Bank National Association	TX	$990M	+7.1%	48.4%	78%	0.04%	1.08%	9.5%
4	Tolleson Private Bank	TX	$982M	+1.0%	11.5%	89%	0.00%	1.58%	8.7%
5	Round Top State Bank	TX	$974M	+4.1%	29.4%	69%	0.36%	1.22%	10.4%
6	Transpecos Banks SSB	TX	$972M	+17.2%	9.4%	76%	8.15%	-1.59%	6.7%
7	First National Bank & Trust Co. of Weatherford	TX	$968M	-19.5%	43.6%	57%	5.51%	0.45%	9.9%
8	Texas Bank	TX	$954M	+5.1%	56.4%	85%	0.46%	1.19%	10.6%
9	First Bank & Trust Co.	OK	$952M	-6.5%	47.8%	89%	5.22%	2.18%	15.3%
10	First National Bank of Oklahoma	OK	$950M	+6.4%	33.7%	93%	1.39%	2.30%	10.1%
11	Western Bank	TX	$947M	+18.2%	29.9%	97%	0.31%	1.89%	8.9%
12	First National Bank of Granbury	TX	$946M	+6.2%	37.4%	64%	0.78%	1.34%	11.1%
13	Security Bank	OK	$939M	+0.3%	37.1%	94%	0.15%	2.17%	11.6%
14	Texas Heritage National Bank	TX	$936M	-2.6%	36.1%	99%	1.27%	1.44%	10.1%
15	Newfirst National Bank	TX	$935M	-1.5%	50.4%	86%	0.21%	3.30%	12.4%
16	Valliance Bank	OK	$923M	+24.2%	39.6%	107%	1.58%	0.61%	8.6%
17	F & M Bank	OK	$915M	+16.1%	23.7%	82%	0.36%	1.18%	10.5%
18	Spiritbank	OK	$913M	+1.8%	44.0%	75%	0.86%	0.87%	9.2%
19	Titan Bank N A	TX	$896M	+24.1%	42.2%	54%	0.54%	7.26%	12.6%
20	First State Bank	TX	$895M	+8.7%	25.5%	81%	2.16%	2.37%	8.9%

$1B to $3B: the 20 largest of 84banks headquartered in the Southwest, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Susser Bank	TX	$2.99B	+12.8%	34.1%	83%	0.42%	0.96%	10.3%
2	First Fidelity Bank	OK	$2.98B	+7.9%	44.1%	86%	0.46%	1.12%	8.4%
3	Tib National Association	TX	$2.96B	-6.3%	15.1%	75%	0.84%	1.68%	14.6%
4	Texas Regional Bank	TX	$2.95B	+12.5%	47.5%	72%	0.59%	0.28%	9.2%
5	American First National Bank	TX	$2.89B	-0.0%	47.1%	99%	0.42%	2.14%	14.2%
6	West Texas National Bank	TX	$2.88B	+1.2%	27.2%	59%	1.67%	1.59%	10.2%
7	Jefferson Bank	TX	$2.88B	+4.5%	35.5%	76%	0.75%	1.11%	8.6%
8	American Momentum Bank	TX	$2.85B	+0.1%	47.3%	91%	3.52%	1.27%	22.2%
9	Armstrong Bank	OK	$2.84B	+19.7%	31.3%	80%	0.25%	1.31%	8.2%
10	Pinnacle Bank	TX	$2.72B	+5.4%	57.5%	82%	0.13%	1.40%	13.2%
11	Wells Fargo Bank S Central N.A.	TX	$2.59B	-14.6%	0.0%	102%	1.24%	1.67%	30.1%
12	State Bank of Texas	TX	$2.59B	-7.0%	98.8%	98%	2.16%	4.22%	16.4%
13	Extraco Banks National Association	TX	$2.57B	+1.1%	25.7%	64%	0.04%	0.79%	8.4%
14	Horizon Bank SSB	TX	$2.55B	+6.1%	38.0%	74%	0.00%	1.72%	8.0%
15	Community National Bank	TX	$2.54B	-1.1%	35.8%	73%	1.66%	2.12%	12.9%
16	American National Bank & Trust	TX	$2.54B	+8.0%	56.0%	86%	0.88%	0.97%	10.2%
17	Texasbank	TX	$2.48B	+9.2%	35.3%	107%	0.41%	2.32%	12.6%
18	First United Bank	TX	$2.41B	+2.8%	37.4%	71%	0.41%	1.98%	10.5%
19	Texas First Bank	TX	$2.35B	+6.3%	43.3%	65%	0.17%	1.66%	9.7%
20	Golden Bank National Association	TX	$2.28B	+9.0%	56.8%	101%	2.16%	1.58%	13.6%

$3B to $10B: the 20 largest of 22banks headquartered in the Southwest, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Woodforest National Bank	TX	$8.98B	-7.2%	35.4%	72%	1.93%	2.06%	8.8%
2	Southside Bank	TX	$8.76B	+7.6%	60.0%	80%	0.19%	1.34%	12.4%
3	TBK Bank SSB	TX	$7.40B	+10.5%	12.4%	88%	1.65%	0.60%	14.3%
4	Third Coast Bank	TX	$6.73B	+33.3%	34.6%	93%	0.50%	1.29%	12.0%
5	American National Bank of Texas	TX	$5.51B	+4.8%	41.1%	74%	0.23%	0.66%	6.0%
6	Broadway National Bank	TX	$5.42B	-10.7%	36.2%	65%	0.19%	1.76%	9.1%
7	Stride Bank National Association	OK	$5.42B	+46.1%	17.6%	101%	0.48%	2.21%	7.3%
8	City Bank	TX	$5.39B	+21.4%	39.0%	80%	0.25%	1.37%	11.1%
9	Interbank	OK	$5.33B	+7.9%	54.9%	104%	1.56%	3.28%	12.4%
10	Vantage Bank Texas	TX	$5.14B	+14.7%	38.7%	89%	0.87%	1.64%	8.6%
11	First National Bank Texas	TX	$4.64B	+6.9%	41.6%	56%	1.23%	1.17%	6.7%
12	Verabank National Association	TX	$4.58B	-1.5%	31.6%	70%	0.96%	1.60%	11.4%
13	International Bank of Com	TX	$4.56B	+2.7%	56.9%	40%	9.17%	1.67%	12.7%
14	Texas Exchange Bank	TX	$4.49B	-23.7%	13.3%	26%	0.00%	0.61%	8.2%
15	Texas Bank & Trust Co.	TX	$4.34B	-1.7%	47.9%	92%	0.61%	1.56%	12.9%
16	Inwood National Bank	TX	$4.26B	+1.7%	64.0%	68%	0.37%	1.59%	11.6%
17	RCB Bank	OK	$3.98B	-1.0%	17.2%	66%	0.94%	1.47%	11.9%
18	Cornerstone Capital Bank SSB	TX	$3.67B	+67.5%	20.5%	110%	3.62%	0.10%	10.8%
19	Austin Bank Texas N.A.	TX	$3.33B	+0.7%	26.8%	89%	0.60%	2.07%	15.1%
20	Lone Star National Bank	TX	$3.28B	+4.0%	53.7%	61%	1.06%	1.42%	11.7%

$10B to $20B: the 10 largest of 10banks headquartered in the Southwest, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	First United Bank & Trust Co.	OK	$16.59B	+0.1%	38.3%	96%	1.69%	0.91%	9.7%
2	Sunflower Bank National Association	TX	$15.65B	+77.5%	35.3%	87%	1.63%	0.22%	12.3%
3	First Financial Bank	TX	$15.23B	+3.2%	24.2%	63%	0.77%	1.74%	11.8%
4	Nexbank	TX	$14.16B	-2.2%	15.8%	85%	1.47%	1.06%	8.4%
5	Bancfirst	OK	$12.80B	+7.1%	32.1%	65%	1.19%	1.73%	11.2%
6	Plainscapital Bank	TX	$12.68B	+6.9%	34.9%	87%	1.03%	1.14%	10.7%
7	Charles Schwab Trust Bank	TX	$10.51B			0%		2.01%	7.7%
8	Stellar Bank	TX	$10.40B	+3.1%	39.1%	86%	0.69%	-0.61%	15.2%
9	Amarillo National Bank	TX	$10.38B	+3.8%	7.9%	79%	1.54%	1.74%	10.8%
10	International Bank of Com	TX	$10.19B	+10.3%	60.9%	109%	2.21%	2.70%	20.3%

Over $20B: the 9 largest of 9banks headquartered in the Southwest, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Charles Schwab Bank SSB	TX	$250.83B	+39.1%	0.0%	30%	0.04%	1.30%	7.2%
2	USAA Federal Savings Bank	AZ	$106.19B	+5.0%	0.0%	50%	1.07%	0.91%	5.5%
3	Western Alliance Bank	AZ	$98.57B	+10.5%	21.8%	80%	2.82%	1.13%	8.0%
4	Frost Bank	TX	$53.95B	+8.1%	27.7%	53%	0.55%	1.30%	8.6%
5	BOKF National Association	OK	$52.98B	+11.5%	27.8%	68%	0.54%	1.19%	10.8%
6	Prosperity Bank	TX	$43.88B	+12.8%	31.1%	76%	0.48%	1.35%	18.5%
7	MidFirst Bank	OK	$42.83B	+1.7%	19.6%	132%	18.31%	1.44%	9.8%
8	Texas Capital Bank	TX	$33.62B	+4.3%	16.1%	85%	0.50%	1.03%	10.1%
9	Charles Schwab Premier Bank SS	TX	$26.58B	-100.0%	0.0%	0%	0.00%	1.47%	7.9%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

Oklahoma carries the highest rate at 5.13%, 83% of it one institution, MidFirst Bank at 18.3% of its own book, then Arizona at 2.08%; Texas the lowest at 0.79%. The Southwest in aggregate sits at 1.97%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 3 of 4 states and fell in 1. It rose most in Oklahoma (+113 bps) and Arizona (+53 bps), and fell most in New Mexico (-39 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the Southwest summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

1-4 family residential loans deteriorated the most, +134 bps to 4.96% noncurrent (71% of the category's noncurrent balance is one institution, MidFirst Bank, at 27.9% of its own 1-4 family residential book); multifamily +49 bps to 1.40%. 4 of the 11 categories improved. The highest rate outright among the categories that matter to the book is 1-4 family residential at 4.96%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$52.3B	0.42%	0.04%	0.90%	0.94%	+14 bps
Multifamily	$21.8B	0.58%	0.00%	1.40%	1.40%	+49 bps
Nonfarm nonresidential	$156B	0.39%	0.07%	1.11%	1.18%	+24 bps
1-4 family residential	$171B	1.58%	4.48%	0.47%	4.96%	+134 bps
Home equity lines	$7.9B	0.80%	0.09%	0.75%	0.84%	-5 bps
Commercial & industrial	$97.1B	0.50%	0.08%	1.03%	1.11%	+18 bps
Consumer	$57.0B	0.75%	0.05%	0.70%	0.75%	+4 bps
Credit card	$21.7B	0.69%	0.01%	1.38%	1.39%	-1 bps
Auto	$22.0B	0.62%	0.01%	0.25%	0.26%	+1 bps
Agricultural production	$7.5B	0.00%	0.00%	0.00%	0.00%	-4 bps
Farmland	$11.9B	0.39%	0.10%	0.61%	0.71%	-26 bps
All loans and leases	$657B	0.72%	1.20%	0.76%	1.97%	+48 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the Southwest summed; bold, the category rising most this year

1-4 family residential peaked at 12.0% in 2020 and stands at 4.96% now, 41% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

Texas grew fastest at +11.3%; 4 states grew faster than 5% and 0 shrank, Oklahoma the most at +7.0%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

New Mexico is the most CRE-weighted at 40.4% of loans, then Oklahoma at 29.8%; 1 states sit above 30%, against 26.0% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

Oklahoma has the most loans in the early bucket at 1.55%; the aggregate is 0.72%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the Southwest' banks lendthe loan book of every bank summed by category as filed, 30 June 2026

1-4 family residential, closed-end is the largest category at 24.8% of $657B in loans, then Commercial & industrial at 14.8% and Nonfarm nonresidential, non-owner-occupied at 14.7%.

Who holds the Southwest' bank assetseach institution's share of the $1.24T the region's 560 hold; the largest first, amber in the catalogue

Charles Schwab Bank SSB holds 20.2% of the total; the five largest hold 45%, and 120 of the 560 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

45% of the assets sit in 0.9% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter from the Southwest; assets at the ends in the read

1,021 banks filed in 2008 Q1 holding $460B; 560 file now holding $1.24T. 45% fewer charters hold 170% more in assets.

Noncurrent loans since 2008every bank in the Southwest summed, quarterly

The rate peaked at 4.04% in 2010 and stands at 1.97%, 49% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 120 · amber, in the catalogue

Sunflower Bank National Association (Texas) grew fastest at +77.5%; the median among banks over $1B is +6.2%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 120 · amber, in the catalogue

State Bank of Texas (Texas) is the most CRE-weighted at 98.8% of loans; 28 of the 120 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 120 · amber, in the catalogue

Monet Bank (Texas) carries the highest rate at 25.76%; 16 of the 120 are above 2%, and the median is 0.57%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 120 · amber, in the catalogue

10 of the 120 lend more than they hold in deposits, MidFirst Bank (Oklahoma) the furthest at 132%; the median is 80%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 120 · amber, in the catalogue

Monet Bank (Texas) earns the most at 4.24%; 7 of the 120 earn under 0.50%, and the median is 1.44%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
Texas	349	$804B	+11.3%	27.9%	57%	0.79%	+11 bps	0.48%	1.42%	10.2%
Oklahoma	170	$213B	+7.0%	29.8%	87%	5.13%	+113 bps	1.55%	1.40%	10.5%
Arizona	12	$208B	+8.2%	13.4%	65%	2.08%	+53 bps	0.50%	0.58%	6.8%
New Mexico	29	$16.4B	+7.4%	40.4%	65%	1.00%	-39 bps	0.55%	1.95%	9.6%

Five years, 2021 to 2026the 552 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$439B	$656B	+50%
Deposits, in total	$998B	$1.04T	+5%
NPA / loans, median	0.38%	0.49%	+0.11 pts
Efficiency, median	64.1%	61.2%	-2.9 pts
ROA, median	1.21%	1.42%	+0.21 pts

Credit unions

503 credit unions filing across 4 states · read from the 31 March 2026 NCUA 5300

503

credit unions filing

$241B in assets

+3.8%

Loans, year over year

on the credit unions filing at both dates

9.8%

Member business loans / loans

in aggregate

81%

Loans / shares

in aggregate

0.85%

Delinquent / loans

+3 bps on a year earlier

11.6%

Net worth / assets

in aggregate

The Southwest's 503 credit unions hold $241B in assets at 31 March 2026, across 4 states. Randolph-brooks is the largest at $19.2B, and the five largest hold 24% of the total; 58 institutions are above $1B, holding $179B. Texas holds the most, $163B.

Loans grew +3.8% in the year on the credit unions filing at both dates, fastest in Arizona at +10.6% and slowest in Oklahoma at +1.3%. Delinquent loans are 0.85% of the book, up 3 basis points on a year earlier; the rate rose in 3 states and fell in 1, rising most in New Mexico (+16 bps) and highest outright in New Mexico at 1.34%.

Member business loans are 9.8% of the book in aggregate, heaviest in New Mexico at 20.3%. The credit unions lend 81% of their shares, and net worth is 11.6% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

New Mexico carries the highest rate at 1.34%, then Texas at 0.83%; Arizona the lowest at 0.65%. The Southwest in aggregate sits at 0.85%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 3 of 4 states and fell in 1. It rose most in New Mexico (+16 bps) and Texas (+5 bps), and fell most in Oklahoma (-19 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

Arizona grew fastest at +10.6%; 2 states grew faster than 5% and 0 shrank, Oklahoma the most at +1.3%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

New Mexico carries the most commercial lending at 20.3% of loans; the aggregate is 9.8%.

Who holds the Southwest' credit union assetseach institution's share of the $241B the region's 503 hold; the largest first, amber in the catalogue

Randolph-brooks holds 8.0% of the total; the five largest hold 24%, and 58 of the 503 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

24% of the assets sit in 1.0% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter from the Southwest; assets at the ends in the read

563 credit unions filed in 2022 Q1 holding $213B; 503 file now holding $241B. 11% fewer charters hold 13% more in assets.

Delinquency since 2022every credit union in the Southwest summed, quarterly

The rate peaked at 1.05% in 2025 and stands at 0.85%, 81% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 58 · amber, in the catalogue

Alliance (Texas) grew fastest at +58.6%; the median among credit unions over $1B is +4.5%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 58 · amber, in the catalogue

Pima (Arizona) carries the most commercial lending at 46.2% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 58 · amber, in the catalogue

U.S. Eagle (New Mexico) carries the highest rate at 6.63%; 3 of the 58 are above 2%, and the median is 0.68%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 58 · amber, in the catalogue

8 of the 58 lend more than they hold in shares, Credit Human (Texas) the furthest at 109%; the median is 87%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 58 · amber, in the catalogue

Neches (Texas) earns the most at 2.09%; 18 of the 58 earn under 0.50%, and the median is 0.69%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
Texas	380	$163B	+2.5%	7.3%	84%	0.83%	+5 bps	0.57%	11.9%
Arizona	33	$35.3B	+10.6%	15.9%	72%	0.65%	+2 bps	0.65%	10.6%
Oklahoma	53	$21.9B	+1.3%	9.6%	73%	0.82%	-19 bps	0.55%	12.6%
New Mexico	37	$20.7B	+6.8%	20.3%	79%	1.34%	+16 bps	0.77%	9.9%

Small-business lending

SBA 7(a) approvals into the Southwest since FY2008, across every lender type

$60.8B of 7(a) credit has been approved into the Southwest since FY2008 across 114,932 loans. Accommodation & food services is the largest category at 19.6%, Health care & social assistance at 13.9%, Retail trade at 13.6%; the three together are 47% of the money. The heaviest losses fall in Transportation & warehousing, at 3.21% of approvals charged off.

7(a) lenders in the Southwest, share of approvalssince FY2008, 928 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the Southwest' 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Accommodation & food services	$11.9B	15,118	19.6%	$293M	2.46%
Health care & social assistance	$8.5B	13,890	13.9%	$115M	1.36%
Retail trade	$8.3B	14,915	13.6%	$182M	2.20%
Other services	$5.9B	12,135	9.7%	$118M	2.00%
Manufacturing	$4.3B	7,279	7.0%	$117M	2.72%
Professional & technical services	$4.1B	11,132	6.8%	$86M	2.08%
Construction	$3.9B	11,436	6.4%	$125M	3.18%
Wholesale trade	$2.9B	4,963	4.7%	$74M	2.58%
Arts, entertainment & recreation	$1.9B	3,659	3.1%	$56M	2.99%
Real estate & leasing	$1.8B	2,748	3.0%	$22M	1.18%
Administrative & waste services	$1.8B	5,328	2.9%	$46M	2.60%
Transportation & warehousing	$1.4B	4,658	2.3%	$45M	3.21%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
Texas	$43.9B	79,520	706
Arizona	$10.5B	21,299	337
Oklahoma	$4.3B	9,238	358
New Mexico	$2.1B	4,875	205

The other regions Great Lakes · Mid-Atlantic · Mountain West · New England · Pacific · Plains · South Central · Southeast

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Southwest institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the Southwest

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

← Back to the catalogue