SWEDISH-AMERICAN STATE BANK

COURTLAND, KS | Micro | Est. March 13, 1913, midnight | FDIC #12865 | RSSD #973252 | FDIC
Latest Report: 2025-12-31

SWEDISH-AMERICAN STATE BANK is amn micro FDIC-insured commercial bank headquartered in COURTLAND, KS, established in March 13, 1913, midnight. As of 2025-12-31, the bank reported total assets of $58M and total deposits of $41M. Profitability stands at 2.26% ROA and 18.72% ROE, with a net interest margin of 4.43%. The bank's CET1 capital ratio is 17.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 4.71%. FDIC Certificate #12865.

Assets

$58M

Deposits

$41M

Loans

$40M

Equity

$7M

Profitability

Return on Assets (ROA) 2.26%
Return on Equity (ROE) 18.72%
Net Interest Margin (NIM) 4.43%
Yield on Assets 6.41%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.05%
Texas Ratio 4.71%
NPA Ratio 0.61%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 17.87%
Tier 1 Capital 17.87%
Total Capital Ratio 18.95%
Leverage Ratio 13.58%
Loan-to-Deposit 98.10%

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