Swedish-American State Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Swedish-American State Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $299K in Q3 2026, up 63.4% from $183K in Q3 2025.
The standout move of Q3 2026 was in Return on equity: 3.56 percentage points higher than in Q2 2026, at 17.48%. Swedish-American State Bank ranks 26th of 182 Kansas banks on return on assets, in the upper half at 2.10% (Q3 2026). Swedish-American State Bank's return on assets of 2.10% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.13 points (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $299K |
| Return on assets | 2.10% |
| Return on equity | 17.48% |
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Interest income and expense
Net interest margin changed the most here, up 0.28 points to 4.70% in Q3 2026 from 4.42% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $749K |
| Total interest expense | $253K |
| Interest expense on deposits | $188K |
| Net interest margin | 4.70% |
Noninterest income and expense
Largest change in this table: efficiency ratio, down 8.10 points to 51.16% in Q3 2026 after 59.26% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $387K |
| Salaries and general administrative expense | $232K |
| Amortization of intangibles | $0 |
| Other noninterest expense | $155K |
| Efficiency ratio | 51.16% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $7.0M |
| Revenue per employee | $374K |
| Full-time equivalent employees | 8 |
Credit costs and securities results
Largest change in this table: provision expense to average assets, up 0.35 points to 0.35% in Q3 2026 after 0.00% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $50K |
| Provision expense to average assets | 0.35% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $218K | 1.31% | 17.21% | 61.76% |
| Q1 2024 | $151K | 0.99% | 10.85% | 67.75% |
| Q2 2024 | $209K | 1.43% | 15.22% | 60.42% |
| Q3 2024 | $185K | 1.30% | 13.06% | 64.98% |
| Q4 2024 | $240K | 1.75% | 16.17% | 60.99% |
| Q1 2025 | $223K | 1.62% | 14.70% | 60.47% |
| Q2 2025 | $190K | 1.41% | 12.28% | 63.93% |
| Q3 2025 | $183K | 1.35% | 11.50% | 59.08% |
| Q4 2025 | $316K | 2.29% | 18.72% | 54.26% |
| Q1 2026 | $263K | 1.93% | 14.99% | 57.52% |
| Q2 2026 | $244K | 1.77% | 13.92% | 59.26% |
| Q3 2026 | $299K | 2.10% | 17.48% | 51.16% |
Swedish-American State Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)