BlastPoint's Banking Scorecard
Swedish-American State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 12865
Designations: ✓ Community bank
Courtland, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Swedish-American State Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.6M
-1.3% YoY
+6.0% QoQ
|
-$159.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$39.5M
+12.1% YoY
+8.5% QoQ
|
-$99.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$40.7M
-3.9% YoY
+2.0% QoQ
|
-$143.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.65%
+24.8% YoY
+13.6% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.12%
+16.1% YoY
+0.6% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
60.07%
-6.9% YoY
-3.4% QoQ
|
-7.65% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.88%
-13.3% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
96.99%
+16.6% YoY
+6.4% QoQ
|
+22.46% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.07%
+10.5% YoY
+8.2% QoQ
|
+3.68% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.61%
-11.3% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
17.87%
-5.0% YoY
-2.4% QoQ
|
+9.02% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.48%
-7.2% YoY
+108.4% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Tier 1 Capital Ratio
Current: 17.87% · Tier avg: 8.85%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
67
67th pctile
Efficiency Ratio
Current: 60.07% · Tier avg: 67.73%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.07% · Tier avg: 22.39%
66
66th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
15
15th pctile
Total Loans
Current: $39.5M · Tier avg: $139.2M
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.99% · Tier avg: 74.53%
10
10th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $40.7M · Tier avg: $183.7M
Top Weaknesses
7
7th pctile
Total Deposits
Current: $40.7M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.99% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $39.5M · Tier avg: $139.2M
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.07% · Tier avg: 22.39%
67
67th pctile
Efficiency Ratio
Current: 60.07% · Tier avg: 67.73%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.87% · Tier avg: 8.85%