Headquartered in Swanville, Minnesota, First State Bank of Swanville is a state-chartered bank with $23.8M in total assets and $19.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1907.
First State Bank of Swanville has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 130th. Capital cushion contributes the most (100/100, 18.14%); loan quality contributes the least (28/100, 2.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 21 points (89 → 68), mostly because the earnings component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 92 |
| Q4 2024 | 88 |
| Q1 2025 | 86 |
| Q2 2025 | 89 |
| Q3 2025 | 85 |
| Q4 2025 | 90 |
| Q1 2026 | 93 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.32% |
| Q3 2024 | 16.98% |
| Q4 2024 | 17.23% |
| Q1 2025 | 17.90% |
| Q2 2025 | 17.78% |
| Q3 2025 | 17.89% |
| Q4 2025 | 18.48% |
| Q1 2026 | 19.32% |
| Q2 2026 | 18.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.79% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.02% |
| Q2 2026 | 2.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.64% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.90% |
| Q3 2025 | 1.84% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.60% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $23.8M | 18.14% | 2.16% | 0.71% | 77.2% |
| Q1 2026 | 93 | $23.4M | 19.32% | 0.02% | 1.60% | 79.0% |
| Q4 2025 | 90 | $23.0M | 18.48% | 0.00% | 1.35% | 88.2% |
| Q3 2025 | 85 | $24.7M | 17.89% | 1.15% | 1.84% | 82.8% |
| Q2 2025 | 89 | $25.5M | 17.78% | 0.79% | 1.90% | 80.4% |
| Q1 2025 | 86 | $23.8M | 17.90% | 0.59% | 1.53% | 90.2% |
| Q4 2024 | 88 | $24.9M | 17.23% | 0.00% | 1.06% | 91.7% |
| Q3 2024 | 92 | $24.6M | 16.98% | 0.00% | 1.64% | 90.7% |
| Q2 2024 | 92 | $25.2M | 17.32% | 0.00% | 1.59% | 92.3% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of EastonBank Easton, MN | 74 out of 100, Strong | $28.4M | 13.8% | 1.60% | vs |
| St. Martin National BankBank Saint Martin, MN | 100 out of 100, Very strong | $29.4M | 15.5% | 0.00% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Lake Country Community BankBank Morristown, MN | 74 out of 100, Strong | $31.5M | 11.9% | 0.00% | vs |
| The First National Bank of ProctorBank Proctor, MN | 69 out of 100, Moderate | $34.0M | 8.5% | 0.00% | vs |
| The First National Bank of FairfaxBank Fairfax, MN | 67 out of 100, Moderate | $35.6M | 38.5% | 8.68% | vs |
Deposit insurance
Is my money safe at First State Bank of Swanville?
Yes. First State Bank of Swanville is an FDIC-insured institution (FDIC certificate #8218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.8% of deposits ($1.9M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.89% (benchmark: 10%).
1 location
Branches
First State Bank of Swanville lists 1 office in 1 city. Most locations:
- Swanville, MN (1)
Identity & history
Profile
- Legal name
- First State Bank of Swanville
- Type
- State-chartered bank
- FDIC certificate #
- 8218
- RSSD ID
- 833851
- Primary regulator
- FDIC
- Holding company
- Swanville Bancshares Inc
- Established
- May 1, 1907
- Headquarters
- 306 Degraff Ave, Swanville, MN 56382
- Website
- www.fsbswanville.com
- Employees
- 4
Quick answers
First State Bank of Swanville: common questions
Is First State Bank of Swanville FDIC insured?
Yes. First State Bank of Swanville is an FDIC-insured institution (FDIC certificate #8218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Swanville's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First State Bank of Swanville ever failed?
There is no failure record for FDIC certificate #8218 in the FDIC failed bank list.
How many branches does First State Bank of Swanville have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Swanville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| Battle Bank, National AssociationBank Upsala, MN | 79 out of 100, Strong | $180.8M | 33.3% | 0.00% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| Mid-Central National BankBank Wadena, MN | 77 out of 100, Strong | $117.1M | 14.9% | 0.76% | vs |
| Freeport State BankBank Freeport, MN | 77 out of 100, Strong | $165.5M | 10.7% | 0.00% | vs |
| Minnesota National BankBank Sauk Centre, MN | 70 out of 100, Strong | $298.4M | 9.8% | 0.49% | vs |