Bank Comparison
Peoples State Bank of Plainview vs First State Bank Southwest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 12
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Peoples State Bank of Plainview | First State Bank Southwest |
|---|---|---|
| CET1 Ratio | 12.95% | 16.41% |
| Tier 1 Capital Ratio | 12.95% | 16.41% |
| Total Capital Ratio | 14.13% | 17.66% |
| Tier 1 Leverage Ratio | 8.82% | 9.78% |
| Equity / Assets | 6.76% | 6.40% |
Profitability
| Metric | Peoples State Bank of Plainview | First State Bank Southwest |
|---|---|---|
| Return on Assets (ROA) | 1.66% | 0.89% |
| Return on Equity (ROE) | 24.46% | 13.80% |
| Net Interest Margin (NIM) | 3.59% | 3.10% |
| Yield on Earning Assets | 5.46% | 4.55% |
| Cost of Funds | 1.99% | 1.53% |
Asset quality
| Metric | Peoples State Bank of Plainview | First State Bank Southwest |
|---|---|---|
| Texas Ratio | 10.69% | 6.05% |
| Non-Performing Loan Ratio | 1.14% | 0.73% |
| Non-Performing Asset Ratio | 0.81% | 0.44% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.13% | 1.43% |
Balance sheet
| Metric | Peoples State Bank of Plainview | First State Bank Southwest |
|---|---|---|
| Total Assets | $406,516K | $395,374K |
| Total Deposits | $370,603K | $335,717K |
| Total Loans | $287,448K | $218,131K |
| Total Equity | $27,495K | $25,299K |
| Net Income (quarter) | $1,692K | $914 |
Liquidity & funding
| Metric | Peoples State Bank of Plainview | First State Bank Southwest |
|---|---|---|
| Loan-to-Deposit Ratio | 77.56% | 64.97% |
| Core Deposit Ratio | 90.63% | 93.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples State Bank of Plainview | First State Bank Southwest |
|---|---|---|
| Headquarters City | PLAINVIEW | PIPESTONE |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 45 | 48 |
| Established | June 29, 1925, midnight | Jan. 1, 1903, 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.
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