First State Bank of Swanville: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.62 percentage points lower than in Q1 2026, at 13.01%. On return on assets, First State Bank of Swanville is 5th from the bottom among 221 Minnesota banks, -0.17% (Q2 2026). First State Bank of Swanville's return on assets of -0.17% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.15 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.71% |
| Tier 1 risk-based capital ratio | 26.71% |
| Total risk-based capital ratio | 27.89% |
| Tier 1 leverage ratio | 18.14% |
| Equity capital to assets | 18.13% |
| Tangible equity to tangible assets | 18.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 9.78% |
| Non-performing assets ratio | 6.17% |
| Net charge-off ratio | 4.51% |
| Texas ratio | 32.57% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 13.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.17% |
| Return on equity | -0.91% |
| Net interest margin | 5.68% |
| Efficiency ratio | 80.87% |
| Yield on earning assets | 5.91% |
| Cost of funds | 0.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.22% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.64% |
| Securities to assets | 10.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.99% | 20.99% | 22.24% | 16.33% | 1.15% |
| Q4 2023 | 20.78% | 20.78% | 22.02% | 16.07% | -0.78% |
| Q1 2024 | 21.26% | 21.26% | 22.50% | 16.76% | 1.46% |
| Q2 2024 | 20.92% | 20.92% | 22.13% | 17.32% | 1.77% |
| Q3 2024 | 24.52% | 24.52% | 25.77% | 16.98% | 1.70% |
| Q4 2024 | 22.00% | 22.00% | 23.26% | 17.23% | -0.67% |
| Q1 2025 | 23.70% | 23.70% | 24.95% | 17.90% | 1.54% |
| Q2 2025 | 24.01% | 24.01% | 25.27% | 17.78% | 2.34% |
| Q3 2025 | 24.94% | 24.94% | 26.19% | 17.89% | 1.73% |
| Q4 2025 | 25.91% | 25.91% | 27.17% | 18.48% | -0.22% |
| Q1 2026 | 27.87% | 27.87% | 29.12% | 19.32% | 1.59% |
| Q2 2026 | 26.71% | 26.71% | 27.89% | 18.14% | -0.17% |
First State Bank of Swanville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Swanville, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Swanville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8218) · FFIEC NIC profile (RSSD 833851)