Swedish-American State Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Swedish-American State Bank reported 22 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans. CET1 capital 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 Loan-to-deposit ratio: 5.70 percentage points higher than in Q2 2026, at 89.52%. Swedish-American State Bank ranks 26th of 182 Kansas banks on return on assets, in the upper half at 2.10% (Q3 2026). Against a median of 0.98% for banks in the < $100M asset tier, Swedish-American State Bank reported 2.10% on return on assets in Q3 2026, 1.13 points higher.
Capital adequacy
Equity capital to assets changed the most here, down 0.55 points to 11.96% in Q3 2026 from 12.51% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 18.80% |
| Tier 1 risk-based capital ratio | 18.80% |
| Total risk-based capital ratio | 20.00% |
| Tier 1 leverage ratio | 13.82% |
| Equity capital to assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: nonperforming loans to loans, down 0.93 points to 0.00% in Q3 2026 after 0.93% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of nonperforming loans | — |
Earnings
Largest change in this table: return on equity, up 3.56 points to 17.48% in Q3 2026 after 13.92% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.10% |
| Return on equity | 17.48% |
| Net interest margin | 4.70% |
| Efficiency ratio | 51.16% |
| Yield on earning assets | 6.50% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.52% |
| Core deposits to total deposits | 97.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.21% |
| Securities to assets | 27.20% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 15.64% | 15.64% | 16.66% | 10.01% | 1.31% |
| Q1 2024 | 18.21% | 18.21% | 19.39% | 11.01% | 0.99% |
| Q2 2024 | 17.55% | 17.55% | 18.71% | 11.30% | 1.43% |
| Q3 2024 | 18.36% | 18.36% | 19.53% | 11.87% | 1.30% |
| Q4 2024 | 18.80% | 18.80% | 19.97% | 12.80% | 1.75% |
| Q1 2025 | 20.93% | 20.93% | 22.18% | 13.02% | 1.62% |
| Q2 2025 | 18.91% | 18.91% | 20.06% | 12.94% | 1.41% |
| Q3 2025 | 18.30% | 18.30% | 19.49% | 13.22% | 1.35% |
| Q4 2025 | 17.87% | 17.87% | 18.95% | 13.58% | 2.29% |
| Q1 2026 | 20.76% | 20.76% | 22.00% | 14.27% | 1.93% |
| Q2 2026 | 18.80% | 18.80% | 19.96% | 13.75% | 1.77% |
| Q3 2026 | 18.80% | 18.80% | 20.00% | 13.82% | 2.10% |
Swedish-American State Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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.
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