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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 $0.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $32.6M25%Noninterest $11.0MQ2 2025Q2 2026

NIM

5.45%Q2 ’245.57%Q2 ’255.74%Q2 ’26+17%+10%

Non-interest income vs. expense

2.39%Q2 ’242.72%Q2 ’252.73%Q2 ’26+33%+2%

Executive Summary

  • Earnings: ROA of 1.47%, up 30 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.93% of loans (-37 bps YoY), with net recoveries of 0.04%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.47%+30 bps YoY

Net Interest Margin (quarter, annualized)

4.27%+40 bps YoY

Efficiency Ratio (quarter, annualized)

60.06%-507 bps YoY

Tier 1 Leverage Ratio

13.75%+81 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.15%1.84%1.49%1.47%+30 bps
Return on Equity10.06%9.68%15.24%11.69%11.37%+131 bps
Net Interest Margin3.87%4.04%4.14%4.32%4.27%+40 bps
Efficiency Ratio65.13%60.07%54.92%58.32%60.06%-507 bps
Non-Interest Burden2.41%2.30%1.78%2.39%2.45%+4 bps
Growth
Asset Growth (YoY)-10.74%0.05%-1.27%-0.84%4.70%+1,544 bps
Loan Growth (YoY)-3.42%4.03%11.97%2.99%7.00%+1,042 bps
Deposit Growth (YoY)-3.25%-3.94%-3.92%-1.59%4.78%+803 bps
Asset Quality
Nonperforming Loans / Loans1.31%1.01%0.87%1.17%0.93%-37 bps
Net Charge-Offs / Loans0.04%-0.01%0.12%-0.11%-0.04%-8 bps
Allowance / Loans1.24%1.27%1.14%1.41%1.28%+3 bps
Allowance Coverage of NPLs1.0x1.3x1.3x1.2x1.4x+0.4x
Capital
Tier 1 Leverage Ratio12.94%13.22%13.58%14.27%13.75%+81 bps
Total Risk-Based Capital20.06%19.49%18.95%22.00%19.96%-10 bps
Equity / Assets11.67%12.05%12.06%13.41%12.51%+85 bps
Liquidity & Funding
Loans / Deposits82.08%92.35%98.10%71.88%83.82%+174 bps
Liquid Assets / Assets0.09%0.10%0.05%0.08%0.10%0 bps
CRE / Total Capitaln/a53.77%48.58%46.07%n/an/a