First State Bank Southwest: 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: 7.28 percentage points higher than in Q1 2026, at 203.52%. First State Bank Southwest ranks 112th of 221 Minnesota banks on return on assets, in the lower half at 1.34% (Q2 2026). First State Bank Southwest reported 1.34% on return on assets for Q2 2026, 0.08 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.28% |
| Tier 1 risk-based capital ratio | 16.28% |
| Total risk-based capital ratio | 17.53% |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 6.65% |
| Tangible equity to tangible assets | 6.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.37% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 203.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 21.41% |
| Net interest margin | 3.23% |
| Efficiency ratio | 58.54% |
| Yield on earning assets | 4.69% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.90% |
| Core deposits to total deposits | 93.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.57% |
| Securities to assets | 33.60% |
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 | 17.11% | 17.11% | 18.25% | 9.06% | 0.66% |
| Q4 2023 | 16.59% | 16.59% | 17.59% | 9.10% | 0.83% |
| Q1 2024 | 16.94% | 16.94% | 17.98% | 9.10% | 0.62% |
| Q2 2024 | 16.19% | 16.19% | 17.22% | 9.23% | 0.69% |
| Q3 2024 | 16.51% | 16.51% | 17.63% | 9.26% | 0.52% |
| Q4 2024 | 16.17% | 16.17% | 17.10% | 9.26% | 0.66% |
| Q1 2025 | 16.06% | 16.06% | 17.07% | 9.32% | 0.65% |
| Q2 2025 | 16.38% | 16.38% | 17.45% | 9.49% | 0.84% |
| Q3 2025 | 16.91% | 16.91% | 18.13% | 9.87% | 0.83% |
| Q4 2025 | 16.41% | 16.41% | 17.62% | 9.95% | 1.32% |
| Q1 2026 | 16.41% | 16.41% | 17.66% | 9.78% | 0.89% |
| Q2 2026 | 16.28% | 16.28% | 17.53% | 9.69% | 1.34% |
First State Bank Southwest vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Southwest, 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 Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9770) · FFIEC NIC profile (RSSD 823656)