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
Unfavorable gap of $1.3M · efficiency ratio beats 49% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 1.03% | 1.24% | 1.54% | Beats 67% | 32 / 98 | | |
| Return on Equity | 11.65% | 8.85% | 11.58% | 14.73% | Beats 52% | 47 / 98 | | |
| Net Interest Margin | 4.27% | 3.24% | 3.62% | 3.91% | Beats 87% | 13 / 98 | | |
| Efficiency Ratio | 59.19% | 51.87% | 58.88% | 64.74% | Beats 49% | 51 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.01% | 0.33% | 1.05% | Beats 27% | 73 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 55% | 45 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 18.80% | 11.81% | 13.71% | 17.33% | Beats 80% | 20 / 98 | | |
| Total Risk-Based Capital Ratio | 19.96% | 11.81% | 14.13% | 17.45% | Beats 83% | 17 / 98 | | |
| Equity / Assets | 12.51% | 8.60% | 11.34% | 13.10% | Beats 66% | 33 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.82% | 57.09% | 69.84% | 82.47% | 78th pctl | 22 / 98 | | |
| Loans / Assets | 66.00% | 49.34% | 58.31% | 68.94% | 64th pctl | 35 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |