FIRST STATE BANK SOUTHWEST

PIPESTONE, MN | Small | Est. Jan. 1, 1903, midnight | FDIC #9770 | RSSD #823656 | FED
Latest Report: 2025-12-31

FIRST STATE BANK SOUTHWEST is asn small FDIC-insured commercial bank headquartered in PIPESTONE, MN, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $397M and total deposits of $337M. Profitability stands at 1.38% ROA and 20.17% ROE, with a net interest margin of 3.23%. The bank's CET1 capital ratio is 16.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.67%. FDIC Certificate #9770.

Assets

$397M

Deposits

$337M

Loans

$223M

Equity

$28M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 20.17%
Net Interest Margin (NIM) 3.23%
Yield on Assets 4.93%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.67%
NPA Ratio 0.28%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 16.41%
Tier 1 Capital 16.41%
Total Capital Ratio 17.62%
Leverage Ratio 9.95%
Loan-to-Deposit 66.22%

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