Bank Comparison
First State Bank, the vs Southwest National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank, the | Southwest National Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.54% | 10.05% |
| Equity / Assets | 10.54% | 9.76% |
Profitability
| Metric | First State Bank, the | Southwest National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 1.06% |
| Return on Equity (ROE) | 17.75% | 10.96% |
| Net Interest Margin (NIM) | 4.08% | 4.33% |
| Yield on Earning Assets | 5.55% | 6.09% |
| Cost of Funds | 1.58% | 1.84% |
Asset quality
| Metric | First State Bank, the | Southwest National Bank |
|---|---|---|
| Texas Ratio | 1.45% | 0.86% |
| Non-Performing Loan Ratio | 0.14% | 0.09% |
| Non-Performing Asset Ratio | 0.09% | 0.08% |
| Net Charge-Off Ratio | 0.19% | 0.34% |
| ACL / Loans | 1.79% | 0.88% |
Balance sheet
| Metric | First State Bank, the | Southwest National Bank |
|---|---|---|
| Total Assets | $498,476K | $501,718K |
| Total Deposits | $430,733K | $418,756K |
| Total Loans | $293,245K | $426,737K |
| Total Equity | $52,545K | $48,988K |
| Net Income (quarter) | $2,302K | $1,349K |
Liquidity & funding
| Metric | First State Bank, the | Southwest National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.08% | 101.91% |
| Core Deposit Ratio | 91.62% | 89.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank, the | Southwest National Bank |
|---|---|---|
| Headquarters City | NORTON | WICHITA |
| Headquarters State | KS | KS |
| Asset Tier | Small | Medium |
| Charter Class | 0 | 12346 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 9 |
| Employees (FTE) | 68 | 123 |
| Established | April 21, 1902, midnight | Jan. 1, 1915, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First State Bank, the profile | View full Southwest National Bank profile | Browse all bank comparisons