First State Bank of Swanville: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Swanville of Swanville, MN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.17% | 3.14% | -3.31% | 13th bottom |
| ROAE | -0.91% | 10.42% | -11.33% | 14th bottom |
| Net Interest Margin | 5.68% | 3.93% | +1.75% | 96th top |
| Efficiency Ratio | 80.87% | 76.30% | +4.57% | 29th below |
| PPNR / Avg Assets | 1.17% | 1.40% | -0.23% | 47th below |
| Yield on Earning Assets | 5.91% | 5.35% | +0.56% | 74th above |
| Cost of Funds | 0.27% | 1.71% | -1.44% | 97th top |
| Net Interest Spread | 5.35% | 3.31% | +2.04% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 9.78% | 1.33% | +8.45% | 2nd bottom |
| NPA / Total Assets | 6.17% | 0.71% | +5.46% | 1st bottom |
| NCO / Avg Loans | 4.51% | 0.10% | +4.41% | 0th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.49% | -0.22% | 53rd above |
| ACL / NPLs (Coverage) | 13.01% | 864.98% | -851.97% | 1st bottom |
| Texas Ratio | 32.57% | 8.23% | +24.34% | 5th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 62.65% | 314.79% | -252.14% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 26.71% | 61.91% | -35.20% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 26.71% | 61.91% | -35.20% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 27.89% | 62.88% | -34.99% | 62nd above |
| Leverage Ratio | 18.14% | 17.60% | +0.54% | 76th top |
| Equity / Assets | 18.13% | 16.42% | +1.71% | 77th top |
| TCE / Tangible Assets | 18.13% | 16.17% | +1.96% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.22% | 72.82% | +5.40% | 33rd below |
| Core Deposit Ratio | 100.00% | 88.21% | +11.79% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.61% | 4.31% | -10.92% | 8th bottom |
| Loan Growth (Y/Y) | -11.83% | 6.74% | -18.57% | 7th bottom |
| Deposit Growth (Y/Y) | -8.02% | 3.78% | -11.80% | 7th bottom |
See First State Bank of Swanville's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Swanville, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First State Bank of Swanville profile, how to read a UBPR, or how this data updates.