BlastPoint's Banking Scorecard
Swedish-American State Bank
Designations: ✓ Community bank
Courtland, KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +4.8% year over year ($43.7M on the books).
- Delinquency rate 0.95%.
- Return on assets 1.83%.
- Efficiency ratio 59.19% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.75% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Swedish-American State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 0.55% above tier average
- + Efficiency Ratio 60.21% below tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.5M
+4.7% YoY
+5.0% QoQ
|
-$7.0M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$36.1M
+7.0% YoY
+11.8% QoQ
|
+$1.3M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$43.7M
+4.8% YoY
-4.3% QoQ
|
-$7.9M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.83%
+21.8% YoY
-3.7% QoQ
|
+0.84% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 14.2% in tier |
| Net Interest Margin ? |
4.46%
+10.1% YoY
-0.2% QoQ
|
+0.55% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
59.19%
-6.5% YoY
+1.5% QoQ
|
-60.21% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.95%
-28.5% YoY
-20.5% QoQ
|
-0.53% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
82.75%
+2.1% YoY
+16.8% QoQ
|
+8.54% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
25.27%
+17.3% YoY
-5.9% QoQ
|
+1.78% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.62%
-26.9% YoY
-15.4% QoQ
|
-0.22% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
18.80%
-0.6% YoY
-9.4% QoQ
|
-8.32% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.15%
-4.5% YoY
+81.6% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.3%
+3.7pp YoY -1.6pp QoQ |
+0.6pp | 24.6% | 22.3% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.8%
+1.7pp YoY +0.8pp QoQ |
+4.4pp | 13.4% | 12.6% | 12.5% | 75% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
13.7%
+0.2pp YoY -1.1pp QoQ |
-21.3pp | 35.0% | 26.7% | 31.3% | 27% |
| Consumer |
2.1%
-0.5pp YoY -0.3pp QoQ |
-5.6pp | 7.7% | 4.6% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.8%
-0.1pp YoY -2.0pp QoQ |
-19.9pp | 38.7% | 23.3% | 19.7% | 38% |
| Leverage Ratio |
13.8%
+0.8pp YoY -0.5pp QoQ |
-3.9pp | 17.7% | 12.6% | 12.6% | 60% |
| Total Capital Ratio |
20.0%
-0.1pp YoY -2.0pp QoQ |
-19.7pp | 39.7% | 24.4% | 20.8% | 38% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 70 | 482 | 29% |
| Assets per Employee ($) |
$6.9M
+4.7% YoY +5.0% QoQ |
+$746K | $6.2M | $7.1M | $8.8M | 65% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY -0.1pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 19% |
| Nonaccrual |
0.9%
-0.2pp YoY -0.2pp QoQ |
-0.9pp | 1.7% | 0.8% | 1.0% | 54% |
| Allowance Coverage |
1.37x
+43.6% YoY +13.5% QoQ |
-5.04x | 6.41x | 22.44x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+1.0pp YoY -0.5pp QoQ |
+8.1pp | 6.4% | 14.3% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 57% |
| Net Income ($, YTD) |
$507,000
+22.8% YoY — QoQ |
+$189K | $317,817 | $3.7M | $40.4M | 75% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.