# SWEDISH-AMERICAN STATE BANK
COURTLAND, KS · FDIC certificate 12865 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $55.5M | |
| Deposits | $43.7M | |
| Loans and leases | $36.6M | |
| Total equity | $6.9M | |
| Loans / deposits | 82.75% (p67 of band) | 73.59% |
| Liquid assets / assets | 31.60% (p48 of band) | |
| Uninsured deposits / deposits | 15.68% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.56% (p82 of band) | |
| FHLB advances / assets | 8.56% | |
| Tier 1 leverage | 13.75% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -9.65% (p41 of band) | -6.57% |
| AOCI / equity | -1.14% (p24 of band) | |
| ROA (annualized) | 1.83% (p81 of band) | 1.17% |
| Net interest margin | 4.46% (p75 of band) | 3.93% |
| Efficiency ratio | 59.19% (p33 of band) | |
| Noncurrent loans | 0.93% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 136.55% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 2.28% (p24 of band) | |
| Auto loans | $511,000 (1.40% of loans; DQ 4.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 1 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | capital falling | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | charge-offs p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | capital falling, assets shrinking |  |
| 2017-03 | 1 |  | assets shrinking |
| 2017-06 | 3 | losing money, charge-offs p90, assets shrinking | capital falling |
| 2017-09 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | losing money |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | uninsured deposits leaving |
| 2019-03 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2019-06 | 2 | reserve under noncurrent | assets shrinking, uninsured deposits leaving |
| 2019-09 | 4 | noncurrent p90, charge-offs p90 |  |
| 2019-12 | 5 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | deposits shrinking, reserve under noncurrent, noncurrent p90, charge-offs p90, uninsured deposits leaving |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, noncurrent p90 |  |
| 2022-09 | 5 | wholesale funding >15%, uninsured deposits leaving |  |
| 2022-12 | 3 |  | noncurrent p90, uninsured deposits leaving |
| 2023-03 | 2 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity, securities losses >30% of equity, wholesale funding >15% |
| 2023-06 | 6 | wholesale funding >15%, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 6 | charge-offs p90 | noncurrent p90 |
| 2023-12 | 4 | capital falling | reserve under noncurrent, securities losses >30% of equity, charge-offs p90 |
| 2024-03 | 2 |  | wholesale funding >15%, capital falling |
| 2024-06 | 1 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 | assets shrinking | wholesale funding >15% |
| 2024-12 | 2 | wholesale funding >15% |  |
| 2025-03 | 1 |  | wholesale funding >15% |
| 2025-06 | 2 | reserve under noncurrent |  |
| 2025-09 | 0 |  | assets shrinking, reserve under noncurrent |
| 2025-12 | 1 | wholesale funding >15% |  |
| 2026-03 | 0 |  | wholesale funding >15% |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-01 [Vicki "Sue (Reece) Hammer - Concordia Blade Empire](https://news.google.com/rss/articles/CBMibkFVX3lxTE1IN1lKQmN4N0hXSTVWQ0ZmM3N1aU4yd29BVHFNRkF2TXA5T2xuR2hVeEkwallVOEQxUnNyQWNHcW9nYlNVODBXa3pkTUFIQzlYQnRJSEhlUlBvb0NBVU9oLU0weEc4Z1lFUlF2TnFn?oc=5) · Concordia Blade Empire
- 2022-03-30 [Jacqueline 'Jackie' Reed - Salina Post](https://news.google.com/rss/articles/CBMic0FVX3lxTE80QWtOLU1zUVNZSlB0TFNCNGVNZXNaQVhlUGFGa0NLMGJCQVlxMTlVMnBjT3hsNTRUSWFzbWZQMXZxUmhTQVVxS0k0X1pNd1hIckpCLXFOVkl3cDJpWXlpQnJGOEtRdFhwU2JxQ21RZ2R1M0E?oc=5) · Salina Post
- 2024-09-17 [Gregory Kent Johnson, DDS Obituary (2024) - Aubrey, TX - Tibbetts-Fischer Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQYWtKS0tEc2daMVR3bnc3ZVplNnVZMHQydDF3SXYzR09vZVgyeHBCeE5ob1dnYURNaWtwZ1VBX0dIMU51V0hvODRSX2lUWFNnS3JBZW1vMUV1eWw4SS13c2ktVnhBM29PU0U3amFtSF9SNXR6YUpSemtEOUJGLWtuMHB6OGtqX3Y4Rmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12865 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "12865", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide