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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 $0.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $32.6M25%Noninterest $11.0MQ3 2024Q2 2026

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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.41%1.26%1.17%1.15%1.84%1.49%1.47%+30 bps
Return on Equity10.74%13.36%11.62%10.06%9.68%15.24%11.69%11.37%+131 bps
Net Interest Margin3.64%3.88%3.96%3.87%4.04%4.14%4.32%4.27%+40 bps
Efficiency Ratio66.19%61.95%61.54%65.13%60.07%54.92%58.32%60.06%-507 bps
Non-Interest Burden2.31%2.06%2.32%2.41%2.30%1.78%2.39%2.45%+4 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 / Loans0.08%-0.03%0.06%0.04%-0.01%0.12%-0.11%-0.04%-8 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