Swedish-American State Bank: how it compares with its peers
Against 45 KS banks with half to twice its assets, Swedish-American State Bank's strongest measure in Q2 2026 is return on assets (1.83% vs. a 1.31% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $7.0M).
| Measure | Swedish-American State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.31% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 3.82% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.19% | 62.92% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.0M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.75% | 60.44% | Context |
What it means for lending operations
Its efficiency ratio of 59.19% is better than the 62.92% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Security State Bank Wellington, KS · $55M
- Bank of Greeley Greeley, KS · $54M
- The Farmers State Bank of Blue Mound Blue Mound, KS · $58M
- The City State Bank Fort Scott, KS · $58M
- Ford County State Bank Spearville, KS · $58M
- The State Exchange Bank Mankato, KS · $51M
Questions about Swedish-American State Bank
How big is Swedish-American State Bank?
Swedish-American State Bank, established in 1913, is headquartered in Courtland, KS. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Swedish-American State Bank's return on assets?
1.83% annualized in Q2 2026, against a 1.31% median for 45 KS banks with half to twice its assets, ahead of 82% of them.
What is Swedish-American State Bank's efficiency ratio?
59.19% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 62.92%, and lower is better.
Is Swedish-American State Bank growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 4.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.