Is First State Bank Southwest Safe?
First State Bank Southwest has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (49/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.19% | 100/100 |
| Nonperforming Loan Ratio | 0.56% | 89/100 |
| Liquidity Ratio | 41.54% | 100/100 |
| Return on Assets | 0.73% | 49/100 |
| Total Assets | $0.4B | |
How does First State Bank Southwest compare?
With a Bank Health Score of 92/100, First State Bank Southwest sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, First State Bank Southwest ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 16.19% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.56% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First State Bank Southwest's Bank Health Score fell by 3.0 points to 92/100. Tier 1 capital weakened by 0.93 percentage points to 16.19%.
First State Bank Southwest has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (49/100).