First State Bank Southwest (FDIC #9770): Bank Stress & Real-Estate Credit Exposure

First State Bank Southwest (FDIC Cert #9770): bank stress 78/100, severe, STABLE over 7 days; parent FIRST STB SW KSOP PLAN&TR.

First State Bank Southwest (#9770) lends in 3 counties across 2 states; First State Bank Southwest (#9770) reaches 48 ZIP codes: Minnesota 2 counties, 25 ZIPs; South Dakota 1 county, 23 ZIPs.

First State Bank Southwest (#9770) largest markets: Minnehaha County, SD (23 branches, 23 ZIPs) (#9770), Nobles County, MN (51 branches, 17 ZIPs) (#9770), Pipestone County, MN (18 branches, 9 ZIPs) (#9770).

First State Bank Southwest (#9770) reports $409.9 million in total assets; First State Bank Southwest (#9770) equity $27.3 million (6.7% of First State Bank Southwest (#9770) assets); First State Bank Southwest (#9770) domestic deposits $350.8 million; First State Bank Southwest (#9770) net income $2.3 million; First State Bank Southwest (#9770) return on assets 1.16%; First State Bank Southwest (#9770) return on equity 17.35%; First State Bank Southwest (#9770) net interest income $6.1 million; First State Bank Southwest (#9770) call report June 30, 2026.

First State Bank Southwest (#9770) noncurrent real-estate loans: none reported; First State Bank Southwest (#9770) net charge-offs on real estate 1.10%.

First State Bank Southwest (#9770) net interest margin 3.26% against an eight-quarter First State Bank Southwest (#9770) average of 2.90% (First State Bank Southwest (#9770) compression -0.36 points); First State Bank Southwest (#9770) rate-exposure score 40/100, First State Bank Southwest (#9770) fixed-rate trap 40/100; First State Bank Southwest (#9770) risk type credit driven; First State Bank Southwest (#9770) rate regime rates elevated, First State Bank Southwest (#9770) snapshot October 19, 2026.

First State Bank Southwest (#9770) stress score moved from 81.9 on June 22, 2026 to 78.1 on October 20, 2026; First State Bank Southwest (#9770) ranged 78.1 to 81.9 over 117 snapshots.

First State Bank Southwest (#9770) alerts: 3 counties; top First State Bank Southwest (#9770) alert scores: Pipestone County, MN 57 (elevated); Sioux Falls County, MN 28 (low); Worthington County, MN 28 (low).