FIRST STATE BANK OF SWANVILLE

SWANVILLE, MN | Micro | Est. May 1, 1907, midnight | FDIC #8218 | RSSD #833851 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF SWANVILLE is amn micro FDIC-insured commercial bank headquartered in SWANVILLE, MN, established in May 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $23M and total deposits of $18M. Profitability stands at -0.22% ROA and -1.18% ROE, with a net interest margin of 6.71%. The bank's CET1 capital ratio is 25.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 3.55%. FDIC Certificate #8218.

Assets

$23M

Deposits

$18M

Loans

$16M

Equity

$4M

Profitability

Return on Assets (ROA) -0.22%
Return on Equity (ROE) -1.18%
Net Interest Margin (NIM) 6.71%
Yield on Assets 6.93%
Cost of Funds 0.52%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.23%
Texas Ratio 3.55%
NPA Ratio 0.72%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 25.91%
Tier 1 Capital 25.91%
Total Capital Ratio 27.17%
Leverage Ratio 18.48%
Loan-to-Deposit 89.60%

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