PackageTrendsPeer
Letter portraitLegal landscape

Swedish-American State Bank

Courtland, KS · Cert 12865 · Swedish-American Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Swedish-American State Bank

Courtland, KS · Cert 12865 · Swedish-American Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

$55.5MAssets
$36.6MLoans
$43.7MDeposits
$6.9MEquity
Loan mix
71%RE $15.5M25%C&I $5.5M4%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $32.6M25%Noninterest $11.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.46%, up 25 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.93% of loans (-37 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 13.75%, up 81 bps from a year ago.
  • Funding: loans stand at 83.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+32 bps YoY

Efficiency Ratio (YTD, annualized)

59.19%-412 bps YoY

Tier 1 Leverage Ratio

13.75%+81 bps YoY

NIM

5.50%Q2 ’245.64%Q2 ’255.73%Q2 ’26+21%+8%

Non-interest income vs. expense

2.43%Q2 ’242.69%Q2 ’252.70%Q2 ’26+21%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.10%1.26%1.21%1.18%1.35%1.49%1.46%+25 bps
Return on Equity10.76%11.49%11.62%10.87%10.42%11.70%11.69%11.56%+70 bps
Net Interest Margin3.44%3.66%3.96%3.95%3.97%3.96%4.32%4.27%+32 bps
Efficiency Ratio65.51%64.50%61.54%63.30%62.21%60.07%58.32%59.19%-412 bps
Non-Interest Burden2.11%2.17%2.32%2.39%2.35%2.18%2.39%2.41%+2 bps
Growth
Asset Growth (YoY)-16.51%-12.74%-8.57%-10.74%0.05%-1.27%-0.84%4.70%+1,544 bps
Loan Growth (YoY)-8.90%-13.50%-6.60%-3.42%4.03%11.97%2.99%7.00%+1,042 bps
Deposit Growth (YoY)-1.98%0.96%3.47%-3.25%-3.94%-3.92%-1.59%4.78%+803 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%1.29%1.31%1.01%0.87%1.17%0.93%-37 bps
Net Charge-Offs / Loans0.02%0.01%0.06%0.05%0.03%0.05%-0.11%-0.07%-12 bps
Allowance / Loans1.22%1.21%1.34%1.24%1.27%1.14%1.41%1.28%+3 bps
Allowance Coverage of NPLs47.9x54.1x1.0x1.0x1.3x1.3x1.2x1.4x+0.4x
Capital
Tier 1 Leverage Ratio11.87%12.80%13.02%12.94%13.22%13.58%14.27%13.75%+81 bps
Total Risk-Based Capital19.53%19.97%22.18%20.06%19.49%18.95%22.00%19.96%-10 bps
Equity / Assets10.92%10.18%11.63%11.67%12.05%12.06%13.41%12.51%+85 bps
Liquidity & Funding
Loans / Deposits85.27%84.18%68.69%82.08%92.35%98.10%71.88%83.82%+174 bps
Liquid Assets / Assets0.05%0.04%0.06%0.09%0.10%0.05%0.08%0.10%0 bps
CRE / Total Capitaln/an/an/an/a53.77%48.58%46.07%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Swedish-American State Bank

Courtland, KS · Cert 12865 · Peer group: banks under $1B in assets in KS (n=98) · Swedish-American Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

$55.5MAssets
$36.6MLoans
$43.7MDeposits
$6.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in KS (rank 13 of 98).
  • Widest gap: nonperforming loans / loans trails 73% of banks under $1B in assets in KS (rank 73 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.46%

Rank 32 of 98

Net Interest Margin

4.27%

Rank 13 of 98

Efficiency Ratio

59.19%

Rank 51 of 98

Equity / Assets

12.51%

Rank 33 of 98

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 49% of banks under $1B in assets in KS
Bank 59.19%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.46%1.03%1.24%1.54%Beats 67%32 / 98
Return on Equity11.65%8.85%11.58%14.73%Beats 52%47 / 98
Net Interest Margin4.27%3.24%3.62%3.91%Beats 87%13 / 98
Efficiency Ratio59.19%51.87%58.88%64.74%Beats 49%51 / 98
Asset Quality
Nonperforming Loans / Loans0.93%0.01%0.33%1.05%Beats 27%73 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 55%45 / 98
Capital
Tier 1 Capital Ratio18.80%11.81%13.71%17.33%Beats 80%20 / 98
Total Risk-Based Capital Ratio19.96%11.81%14.13%17.45%Beats 83%17 / 98
Equity / Assets12.51%8.60%11.34%13.10%Beats 66%33 / 98
Liquidity & Funding
Loans / Deposits83.82%57.09%69.84%82.47%78th pctl22 / 98
Loans / Assets66.00%49.34%58.31%68.94%64th pctl35 / 98
Brokered Deposits / Depositsn/aNot reported for this institution