BlastPoint's Banking Scorecard

Swedish-American State Bank

under $100M Specialty: Agricultural KS FDIC cert 12865

Designations: ✓ Community bank

Courtland, KS

541 banks in the under $100M peer group nationally 48 in KS

Swedish-American State Bank demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 1.07% above tier average
+ Net Interest Margin 0.62% above tier average
+ Efficiency Ratio 30.02% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Swedish-American State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$52.8M -0.8% YoY -8.4% QoQ	-$9.3M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$32.3M +2.9% YoY -18.1% QoQ	-$1.9M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$45.6M -1.6% YoY +12.2% QoQ	-$6.1M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	1.90% +19.2% YoY +15.5% QoQ	+1.07%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 10.9% in tier
Net Interest Margin ?	4.48% +9.8% YoY +8.5% QoQ	+0.62%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	58.32% -5.2% YoY -2.9% QoQ	-30.02%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	1.19% -9.2% YoY +34.6% QoQ	-0.18%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	70.86% +4.6% YoY -26.9% QoQ	+6.65%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	26.84% +10.6% YoY +3.0% QoQ	+3.13%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.73% -5.8% YoY +20.4% QoQ	-0.06%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	20.76% -0.8% YoY +16.2% QoQ	-5.92%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.08% +8.4% YoY -82.9% QoQ	-0.58%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 1.90%

Peer Median: 0.84%

#60 of 541 Top 10.9% in under $100M

121

Efficiency Ratio

profitability

Value: 58.32%

Peer Median: 88.34%

#121 of 541 Top 22.2% in under $100M

132

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.86%

#132 of 541 Top 24.2% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available