Swedish-American State Bank
Swedish-American State Bank is an FDIC-insured commercial bank headquartered in Courtland, KS, supervised by the FDIC, with $56.4M in total assets at Q3 2026, up 3.7% from Q3 2025, the 163rd largest of 182 banks headquartered in Kansas. It was established in 1913 and holds FDIC certificate 12865. Its CET1 capital ratio was 18.80% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as SASB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12865
- Headquarters
- Courtland, KS
- Established
- 1913
- Total assets, Q3 2026
- $56.4M
- Assets vs Q3 2025
- +3.7%
- CET1 ratio, Q3 2026
- 18.80%
- Domestic offices
- 1 branch
- Routing number
- 101111335
- Safety and soundness
- Is Swedish-American State Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Swedish-American State Bank call report
- Holding company
- SWEDISH-AMERICAN BANCSHARES, INC.
- Asset rank in state
- 163rd of 182 in Kansas
Swedish-American State Bank, based in Courtland, Kansas, reported $56 million in assets at September 30, 2026, up 3.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 1.6%). It also earns about $2.10 a year on every $100 of assets, about double the median of $1.03 for banks its size.
Earnings jumped: net income for the quarter was $299,000, 63% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 1.01%. Funding is the softer spot: it pays an average of 2.44% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.58%).
As of September 30, 2026, Swedish-American State Bank reported a CET1 capital ratio of 18.80%, a return on assets of 2.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Swedish-American State Bank ranks as the 163rd largest of the 182 banks based in Kansas, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 1.7% to $56.4M, loans rose 5.1% and deposits fell 1.6%. Its loan book on September 30, 2026 was led by agricultural production loans, at 41.3% of total loans, followed by farmland and other real estate loans at 19.3%. Its one office in the FDIC Summary of Deposits is in Courtland, KS. Judged on its Q3 2026 call report, Swedish-American State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 324 Liberty St, Courtland, KS 66939
- County
- Republic
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 13, 1913
- Domestic offices
- 1 branch
- Employees (FTE)
- 8
- Domestic deposits
- $43.0M
- Allowance for credit losses
- $503K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $56.9M
- Average total loans
- $37.8M
- Average interest-bearing deposits
- $30.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12865
- Fed RSSD
- 973252
- Website
- www.mysasb.com →
- Parent Holding Company
- SWEDISH-AMERICAN BANCSHARES, INC. (RSSD 2791571)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Swedish-American State Bank's total assets moved between a low of $52.8M (Q1 2026) and a high of $66.9M (Q4 2023) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$56.4M total assets against $54.4M; $49.6M total liabilities against $47.8M.
$38.0M net loans and leases against $36.4M; $43.0M total deposits against $39.9M.
$15.3M securities against $15.8M; $749K cash and balances due against $528K.
$906K total interest income against $805K; $253K total interest expense against $256K.
$653K net interest income against $549K.
$95K total noninterest income against $42K; $387K total noninterest expense against $355K.
$50K provision for credit losses against $40K.
$299K net income against $183K.
2.10% return on assets against 1.35%; 4.70% net interest margin against 4.14%.
18.80% CET1 capital ratio against 18.30%; 13.82% tier 1 leverage ratio against 13.22%.
Inside the full Swedish-American State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSwedish-American State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.35% (Q3 2025) to 2.29% (Q4 2025) and its net interest margin ran from 3.95% (Q2 2025) to 4.70% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 18.80% | 2.10% | 0.00% | 0.00% | 4.70% |
| Q2 2026 | 18.80% | 1.77% | 0.93% | 4.62% | 4.42% |
| Q1 2026 | 20.76% | 1.93% | 1.17% | 5.10% | 4.51% |
| Q4 2025 | 17.87% | 2.29% | 0.87% | 4.71% | 4.28% |
| Q3 2025 | 18.30% | 1.35% | 1.01% | 5.29% | 4.14% |
| Q2 2025 | 18.91% | 1.41% | 1.31% | 6.77% | 3.95% |
| Q1 2025 | 20.93% | 1.62% | 1.29% | 6.22% | 4.05% |
| Q4 2024 | 18.80% | 1.75% | 0.02% | 0.13% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Swedish-American State Bank (main office) | Courtland , KS | 66939 | $43.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 200 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $348K approved, $348K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Swedish-American State Bank
What are Swedish-American State Bank's total assets?
As of the Q3 2026 filing, Swedish-American State Bank reported total assets of $56.4 million in its FFIEC call report.
Where is Swedish-American State Bank headquartered?
It is headquartered in Courtland, KS, United States.
When was Swedish-American State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Swedish-American State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12865). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Swedish-American State Bank?
Swedish-American State Bank's primary federal regulator is the FDIC.
What is Swedish-American State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.80% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Swedish-American State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Swedish-American State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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