First State Bank Southwest: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank Southwest of Pipestone, MN against its peer group of 2672 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 | 1.34% | 1.34% | +0.00% | 55th above |
| ROAE | 21.41% | 13.31% | +8.10% | 90th top |
| Net Interest Margin | 3.23% | 3.93% | -0.70% | 17th bottom |
| Efficiency Ratio | 58.54% | 61.14% | -2.60% | 58th above |
| PPNR / Avg Assets | 1.54% | 1.68% | -0.14% | 47th below |
| Yield on Earning Assets | 4.69% | 5.67% | -0.98% | 13th bottom |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 2.83% | 3.32% | -0.49% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.70% | -0.30% | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 203.52% | 1539.25% | -1335.73% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.37% | 7.33% | -1.96% | 39th below |
| Provision / NCO | 6000.00% | 1392.71% | +4607.29% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.28% | 19.50% | -3.22% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.28% | 19.54% | -3.26% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.53% | 20.62% | -3.09% | 60th above |
| Leverage Ratio | 9.69% | 12.14% | -2.45% | 25th below |
| Equity / Assets | 6.65% | 11.38% | -4.73% | 5th bottom |
| TCE / Tangible Assets | 6.65% | 11.09% | -4.44% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.90% | 80.64% | -16.74% | 79th top |
| Core Deposit Ratio | 93.69% | 86.86% | +6.83% | 77th top |
| Wholesale Funding Ratio | 6.95% | 5.03% | +1.92% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.79% | 6.85% | -2.06% | 53rd above |
| Loan Growth (Y/Y) | 2.95% | 7.90% | -4.95% | 36th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.01% | 6.29% | -1.28% | 58th above |
See First State Bank Southwest's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank Southwest, 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 Southwest profile, how to read a UBPR, or how this data updates.