Swedish-American State Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Swedish-American State Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 6.50% in Q3 2026, up 0.47 percentage points from 6.03% in Q3 2025. Across the 12 quarters shown it ranged from 5.37% (Q1 2024) to 6.50% (Q3 2026).
Cost of borrowings dropped 20.79 percentage points in Q3 2026, from 309.68% to 288.89%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, Swedish-American State Bank is 22nd of 182 on net interest margin, 4.70% as of Q3 2026. The median for banks in the < $100M asset tier is 3.95% on net interest margin. Swedish-American State Bank sits 0.75 points higher, at 4.70% (Q3 2026).
Asset yields
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 earning assets | 6.50% |
| Yield on loans | 7.93% |
| Yield on securities | 3.60% |
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Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 288.89% |
Spread and margin
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 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $749K |
| Total interest expense | $253K |
| Interest expense on deposits | $188K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.92% | 4.67% | 2.97% | 8.10% | 2.27% |
| Q1 2024 | 5.37% | 3.05% | 3.16% | 7.37% | 2.31% |
| Q2 2024 | 5.51% | 2.86% | 3.37% | 7.54% | 2.37% |
| Q3 2024 | 5.88% | 2.85% | 3.71% | 7.79% | 2.50% |
| Q4 2024 | 5.90% | 2.47% | 3.99% | 7.60% | 2.70% |
| Q1 2025 | 5.72% | 2.00% | 4.05% | 7.52% | 2.94% |
| Q2 2025 | 5.65% | 2.09% | 3.95% | 7.29% | 3.03% |
| Q3 2025 | 6.03% | 2.48% | 4.14% | 7.44% | 3.21% |
| Q4 2025 | 6.16% | 2.53% | 4.28% | 7.44% | 3.32% |
| Q1 2026 | 6.01% | 1.75% | 4.51% | 7.25% | 3.39% |
| Q2 2026 | 5.92% | 1.83% | 4.42% | 7.32% | 3.49% |
| Q3 2026 | 6.50% | 2.44% | 4.70% | 7.93% | 3.60% |
Swedish-American State Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)