$395M
+0.5%y/y
Percentile by value27th percentileby value
FDIC
ASSETFS
First State Bank Southwest
Pipestone, MinnesotaFDIC Cert #9770
STATEEstablished 19036 branches
Holding company: FIRST STB SW KSOP PLAN&TRRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst State Bank Southwest reported $395M in total assets. Deposits declined 1.44% over the prior year.
Return on assets was 0.92%, compared with an asset-peer median of 1.22%. The leverage ratio was 9.78%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$336M
−1.4%y/y
Percentile by value27th percentileby value
FDIC
DEP$215M
−0.0%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET0.92%
+24 bpsy/y
Peer standing31st percentile
FDIC
NETINC + ROA68.27%
−417 bpsy/y
Peer standing34th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.78%
+46 bpsy/y
Peer standing31st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $358M | $300M |
| Q3 2021 | $360M | $298M |
| Q4 2021 | $390M | $326M |
| Q1 2022 | $395M | $344M |
| Q2 2022 | $386M | $335M |
| Q3 2022 | $386M | $325M |
| Q4 2022 | $405M | $330M |
| Q1 2023 | $388M | $340M |
| Q2 2023 | $392M | $333M |
| Q3 2023 | $379M | $330M |
| Q4 2023 | $411M | $352M |
| Q1 2024 | $387M | $328M |
| Q2 2024 | $394M | $329M |
| Q3 2024 | $394M | $341M |
| Q4 2024 | $401M | $356M |
| Q1 2025 | $394M | $341M |
| Q2 2025 | $391M | $334M |
| Q3 2025 | $387M | $328M |
| Q4 2025 | $397M | $337M |
| Q1 2026 | $395M | $336M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $17M |
| Investor CRE | $27M |
| Multifamily | $411K |
| Construction | $7.15M |
| 1–4 family | $53.4M |
| C&I | $19.2M |
| Agriculture | $82.4M |
| Other | $11.5M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.92%31st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE13.80%62nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.19%17th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.27%34th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−1.44%13th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−0.03%19th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.73%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ9.78%31st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
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
FDIC
EINTEXP + DEPIDOM2.03%73rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC80%21st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.92%29th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.24%90th 2.01%Observations 228
ROE
FDIC
NETINC + ROE13.80%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.46%Median 12.43%90th 20.24%Observations 228
NIM
FDIC
NIM + NIMY3.19%14th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.91%90th 4.74%Observations 228
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.27%32nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.05%Median 61.69%90th 81.66%Observations 228
Deposits YoY
FDIC
DEP−1.44%20th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.44%Median +3.43%90th +14.87%Observations 226
Loans YoY
FDIC
LNLSNET−0.03%28th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.13%Median +4.83%90th +18.37%Observations 226
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.73%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.54%Observations 226
Leverage
FDIC
RBC1AAJ9.78%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.25%90th 14.29%Observations 228
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
FDIC
EINTEXP + DEPIDOM2.03%63rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.26%90th 3.39%Observations 226
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC80%39th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 95%90th 258%Observations 167
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.92%32nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 1.18%90th 1.89%Observations 69
ROE
FDIC
NETINC + ROE13.80%57th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.73%Median 13.57%90th 19.68%Observations 69
NIM
FDIC
NIM + NIMY3.19%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 3.74%90th 4.48%Observations 69
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.27%35th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.80%Median 62.25%90th 81.61%Observations 69
Deposits YoY
FDIC
DEP−1.44%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.05%Median +3.94%90th +16.93%Observations 69
Loans YoY
FDIC
LNLSNET−0.03%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.91%Median +4.95%90th +24.76%Observations 69
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.73%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.48%90th 1.67%Observations 69
Leverage
FDIC
RBC1AAJ9.78%50th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 9.78%90th 11.76%Observations 69
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
FDIC
EINTEXP + DEPIDOM2.03%72nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.73%Median 2.45%90th 3.60%Observations 69
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC80%14th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 174%90th 309%Observations 52
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 6 branches
- Headquarters
- Pipestone, MN
FDIC
OFFDOMOpen the Minnesota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data