Swedish-American State Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Swedish-American State Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 18.80% in Q3 2026, up 0.50 percentage points from 18.30% in Q3 2025. Across the 12 quarters shown it ranged from 15.64% (Q4 2023) to 20.93% (Q1 2025).
The standout move of Q3 2026 was in Equity capital to average assets: 0.76 percentage points lower than in Q2 2026, at 11.86%. Swedish-American State Bank ranks 24th of 79 Kansas banks on CET1 ratio, in the upper half at 18.80% (Q3 2026). Swedish-American State Bank reported 18.80% on CET1 ratio for Q3 2026, 1.16 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
Tier 1 leverage ratio moved most in this table, up 0.07 points: 13.75% in Q2 2026, 13.82% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.80% |
| Tier 1 risk-based capital ratio | 18.80% |
| Total risk-based capital ratio | 20.00% |
| Tier 1 leverage ratio | 13.82% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Total risk-based capital moved most in this table, up 4.2%: $8.0M in Q2 2026, $8.4M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | $8.4M |
| Total equity capital | $6.7M |
| Risk-weighted assets | $41.8M |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
| Equity capital to average assets | 11.86% |
| Internal capital growth rate | 17.23% |
Capital structure
Largest change in this table: retained earnings, up 4.2% to $7.4M in Q3 2026 after $7.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $80K |
| Common stock surplus | $383K |
| Retained earnings | $7.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 15.64% | 15.64% | 16.66% | 10.01% | $42.6M |
| Q1 2024 | 18.21% | 18.21% | 19.39% | 11.01% | $37.0M |
| Q2 2024 | 17.55% | 17.55% | 18.71% | 11.30% | $37.6M |
| Q3 2024 | 18.36% | 18.36% | 19.53% | 11.87% | $36.9M |
| Q4 2024 | 18.80% | 18.80% | 19.97% | 12.80% | $37.3M |
| Q1 2025 | 20.93% | 20.93% | 22.18% | 13.02% | $34.2M |
| Q2 2025 | 18.91% | 18.91% | 20.06% | 12.94% | $37.0M |
| Q3 2025 | 18.30% | 18.30% | 19.49% | 13.22% | $39.2M |
| Q4 2025 | 17.87% | 17.87% | 18.95% | 13.58% | $42.0M |
| Q1 2026 | 20.76% | 20.76% | 22.00% | 14.27% | $37.4M |
| Q2 2026 | 18.80% | 18.80% | 19.96% | 13.75% | $40.2M |
| Q3 2026 | 18.80% | 18.80% | 20.00% | 13.82% | $41.8M |
Swedish-American State Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Swedish-American State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 12865) · FFIEC NIC profile (RSSD 973252)