Swedish-American State Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Swedish-American State Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $38.5M in Q3 2026, up 4.5% from $36.8M in Q3 2025. That is 68.2% of its total assets. Across the 12 quarters shown it ranged from $31.8M (Q1 2025) to $41.2M (Q4 2023).
Loan-to-deposit ratio climbed 5.70 percentage points in Q3 2026, from 83.82% to 89.52%. It was the largest change from Q2 2026 among the key lines here. Swedish-American State Bank ranks 44th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 89.52% (Q3 2026). Swedish-American State Bank reported 89.52% on loan-to-deposit ratio for Q3 2026, 20.57 points above the 68.95% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $38.5M |
| Net loans and leases | $38.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.22% |
| Loan-to-deposit ratio | 89.52% |
| Net loans to equity capital | 5.63× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial and industrial, down 2.76 points to 14.80% in Q3 2026 after 17.56% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.80% |
| Consumer | 1.80% |
| Credit cards | 0.00% |
| Farm | 19.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
CRE concentration (Tier 1 capital + allowance) moved most in this table, up 3.27 points: 12.24% in Q2 2026, 15.51% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.51% |
| Construction concentration (Tier 1 capital + allowance) | 3.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans moved most in this table, up 0.61 points: 7.32% in Q2 2026, 7.93% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.93% |
| Interest income on loans | $749K |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $41.2M | $41.9M | 9.80% | 14.88% | 2.61% |
| Q1 2024 | $34.1M | $44.8M | 11.63% | 14.83% | 3.06% |
| Q2 2024 | $35.4M | $43.1M | 10.52% | 13.91% | 2.72% |
| Q3 2024 | $35.4M | $41.5M | 10.37% | 13.58% | 2.80% |
| Q4 2024 | $35.6M | $42.3M | 9.85% | 15.08% | 2.73% |
| Q1 2025 | $31.8M | $46.4M | 10.78% | 18.93% | 2.83% |
| Q2 2025 | $34.2M | $41.7M | 9.77% | 15.87% | 2.55% |
| Q3 2025 | $36.8M | $39.9M | 9.76% | 16.54% | 2.38% |
| Q4 2025 | $39.9M | $40.7M | 8.38% | 17.25% | 2.07% |
| Q1 2026 | $32.8M | $45.6M | 10.34% | 16.74% | 2.34% |
| Q2 2026 | $36.6M | $43.7M | 9.54% | 17.56% | 2.03% |
| Q3 2026 | $38.5M | $43.0M | 9.46% | 14.80% | 1.80% |
Swedish-American State Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)