BlastPoint's Banking Scorecard

First State Bank of Swanville

under $100M Specialty: Commercial MN FDIC cert 8218

Designations: ✓ Community bank

Swanville, MN

541 banks in the under $100M peer group nationally 55 in MN

First State Bank of Swanville demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 2.31% above tier average
+ Non-Interest-Bearing Deposit Share 26.83% above tier average
+ ROA 0.77% above tier average
+ Efficiency Ratio 20.05% below tier average
+ Delinquency Rate 1.35% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First State Bank of Swanville releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$23.4M -1.7% YoY +2.1% QoQ	-$38.7M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 6.3% in tier
Total Loans ?	$14.7M -15.5% YoY -8.6% QoQ	-$19.6M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$18.6M -3.6% YoY +2.1% QoQ	-$33.2M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 8.1% in tier
Return on Assets ?	1.60% +5.0% YoY +18.8% QoQ	+0.77%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	6.17% +14.4% YoY +3.5% QoQ	+2.31%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Top 1.3% in tier
Efficiency Ratio ?	68.29% -5.0% YoY -12.1% QoQ	-20.05%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.02% -96.6% YoY	-1.35%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	79.00% -12.4% YoY -10.4% QoQ	+14.78%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	50.55% +11.9% YoY +2.6% QoQ	+26.83%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 3.3% in tier
Nonperforming Asset Ratio ?	0.72% +65.4% YoY -0.3% QoQ	-0.07%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	27.87% +17.6% YoY +7.5% QoQ	+1.18%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.12% +84.4% YoY -71.0% QoQ	-0.54%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 6.17%

Peer Median: 3.86%

#8 of 541 Top 1.3% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 50.55%

Peer Median: 23.71%

#19 of 541 Top 3.3% in under $100M

Tier 1 Capital Ratio

capital

Value: 27.87%

Peer Median: 26.68%

#94 of 541 Top 17.2% in under $100M

107

Return on Assets

profitability

Value: 1.60%

Peer Median: 0.84%

#107 of 541 Top 19.6% in under $100M

122

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.67%

#122 of 541 Top 22.4% in under $100M

Top Weaknesses (3 metrics)

508

Total Assets

size

Value: $23.43M

Peer Median: $62.16M

#508 of 541 Bottom 6.3% in under $100M

498

Total Deposits

size

Value: $18.58M

Peer Median: $51.74M

#498 of 541 Bottom 8.1% in under $100M

442

Total Loans

size

Value: $14.68M

Peer Median: $34.25M

#442 of 541 Bottom 18.5% in under $100M