Bank Safety Analysis
Is Swedish-American State Bank Safe? Courtland, Kansas
Based on its Q3 2026 call report, Swedish-American State Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Swedish-American State Bank safe?
On its Q3 2026 call report, Swedish-American State Bank's CET1 ratio is 18.80%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 18.80%
- Tier 1 leverage ratio (Q3 2026): 13.82%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Swedish-American State Bank is an FDIC-insured commercial bank (FDIC Certificate #12865). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Swedish-American State Bank (FDIC Certificate #12865) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Swedish-American State Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.93 percentage points lower than in Q2 2026, at 0.00%. Within Kansas, Swedish-American State Bank is 24th of 79 on CET1 ratio, 18.80% as of 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.
From Q4 2023 to Q3 2026, Swedish-American State Bank's CET1 ratio ranged between 15.64% (Q4 2023) and 20.93% (Q1 2025) and its Texas ratio ranged between 0.00% (Q3 2026) and 6.77% (Q2 2025). Between Q3 2025 and Q3 2026, Swedish-American State Bank's CET1 ratio rose from 18.30% to 18.80%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.01% to 0.00%, Texas ratio fell from 5.29% to 0.00% and return on assets rose from 1.35% to 2.10%.
By total assets at Q3 2026, Swedish-American State Bank is the 163rd largest of the 182 banks headquartered in Kansas. Agricultural production loans are its largest loan category, $15.9M of $38.5M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Swedish-American State Bank's CET1 ratio of 18.80% is below the 19.96% median, Tier 1 leverage ratio of 13.82% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 51.16% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Swedish-American State Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Swedish-American State Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Swedish-American State Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 18.80% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 89.52% | Within range |
| Commercial real estate to capital supervisory threshold | 15.51% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 18.80% |
| Q2 2026 | 18.80% |
| Q1 2026 | 20.76% |
| Q4 2025 | 17.87% |
| Q3 2025 | 18.30% |
| Q2 2025 | 18.91% |
| Q1 2025 | 20.93% |
| Q4 2024 | 18.80% |
| Q3 2024 | 18.36% |
| Q2 2024 | 17.55% |
| Q1 2024 | 18.21% |
| Q4 2023 | 15.64% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 4.62% |
| Q1 2026 | 5.10% |
| Q4 2025 | 4.71% |
| Q3 2025 | 5.29% |
| Q2 2025 | 6.77% |
| Q1 2025 | 6.22% |
| Q4 2024 | 0.13% |
| Q3 2024 | 0.14% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- Agricultural production loans: $15.9M
- Commercial and industrial loans: $5.7M
- 1-4 family residential loans: $4.9M
- Owner-occupied commercial real estate loans: $2.6M
- Non-owner-occupied commercial real estate loans: $1.0M
- Auto loans: $481K
- Construction and land development loans: $256K
- Other consumer loans: $210K
How have Swedish-American State Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $56.4M | 18.80% | 13.82% | 0.00% | 0.00% | 51.16% |
| Jun 30, 2026 | $55.5M | 18.80% | 13.75% | 0.93% | 4.62% | 59.26% |
| Mar 31, 2026 | $52.8M | 20.76% | 14.27% | 1.17% | 5.10% | 57.52% |
| Dec 31, 2025 | $57.6M | 17.87% | 13.58% | 0.87% | 4.71% | 54.26% |
| Sep 30, 2025 | $54.4M | 18.30% | 13.22% | 1.01% | 5.29% | 59.08% |
| Jun 30, 2025 | $53.0M | 18.91% | 12.94% | 1.31% | 6.77% | 63.93% |
| Mar 31, 2025 | $53.3M | 20.93% | 13.02% | 1.29% | 6.22% | 60.47% |
| Dec 31, 2024 | $58.4M | 18.80% | 12.80% | 0.02% | 0.13% | 60.99% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Swedish-American State Bank FDIC insured?
Yes. Swedish-American State Bank is an FDIC-insured commercial bank (FDIC Certificate #12865). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Swedish-American State Bank well capitalized?
On its Q3 2026 call report, Swedish-American State Bank's CET1 ratio is 18.80%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Swedish-American State Bank's key safety ratios?
For Q3 2026, Swedish-American State Bank reports CET1 18.80%, leverage 13.82%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Swedish-American State Bank fails?
For Q3 2026, Swedish-American State Bank reported $43.0M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Swedish-American State Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Swedish-American State Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 12865) · FFIEC NIC profile (RSSD 973252)
Explore: Full Swedish-American State Bank profile · Other banks in KS · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.