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Sweet Water State Bank

Sweet Water, AL · Cert 9615 · Tombigbee Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

12

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sweet Water State Bank

Sweet Water, AL · Cert 9615 · Tombigbee Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$150.0MAssets
$78.1MLoans
$134.8MDeposits
$12.9MEquity
Loan mix
68%RE $48.3M25%C&I $17.9M6%Consumer $4.6MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $89.9M33%Noninterest $44.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.25%, down 19 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 1.30% of loans (+101 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 9.74%, down 31 bps from a year ago.
  • Funding: loans stand at 57.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.25%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.86%-20 bps YoY

Efficiency Ratio (YTD, annualized)

70.25%+531 bps YoY

Tier 1 Leverage Ratio

9.74%-31 bps YoY

NIM

7.13%Q2 ’246.56%Q2 ’256.11%Q2 ’26-13%-4%

Non-interest income vs. expense

3.53%Q2 ’243.58%Q2 ’253.84%Q2 ’26+2%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.51%1.66%1.44%1.55%1.27%1.51%1.25%-19 bps
Return on Equity18.25%16.93%20.16%17.29%18.25%14.82%17.97%14.77%-252 bps
Net Interest Margin5.91%5.78%5.17%5.06%5.14%4.79%4.97%4.86%-20 bps
Efficiency Ratio56.46%58.81%57.62%64.94%63.26%62.62%64.51%70.25%+531 bps
Non-Interest Burden3.14%3.22%2.81%3.13%3.06%2.82%2.98%3.23%+11 bps
Growth
Asset Growth (YoY)13.50%18.34%13.10%12.54%13.53%6.43%9.27%5.06%-748 bps
Loan Growth (YoY)11.34%6.10%3.08%5.62%5.56%4.33%8.21%2.90%-272 bps
Deposit Growth (YoY)12.70%20.20%14.31%13.30%14.37%5.98%9.76%5.20%-810 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.57%0.32%0.29%0.50%0.30%1.39%1.30%+101 bps
Net Charge-Offs / Loans1.04%0.84%0.16%0.03%0.02%0.02%0.46%0.44%+41 bps
Allowance / Loans1.22%1.37%1.43%1.41%1.41%2.18%1.97%1.91%+50 bps
Allowance Coverage of NPLs2.0x2.4x4.5x4.9x2.8x7.2x1.4x1.5x-3.4x
Capital
Tier 1 Leverage Ratio11.56%11.66%9.92%10.05%10.58%9.85%9.48%9.74%-31 bps
Total Risk-Based Capital11.56%11.66%9.92%10.05%10.58%9.85%9.48%9.74%-31 bps
Equity / Assets9.40%8.36%8.08%8.51%8.92%8.87%7.89%8.61%+9 bps
Liquidity & Funding
Loans / Deposits61.79%56.29%57.69%59.27%57.03%55.42%56.87%57.97%-130 bps
Liquid Assets / Assets1.98%1.82%1.88%1.88%1.82%1.78%1.79%1.86%-1 bps
CRE / Total Capitaln/an/an/an/a102.36%104.00%113.19%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sweet Water State Bank

Sweet Water, AL · Cert 9615 · Peer group: banks under $1B in assets (n=581-629) · Tombigbee Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$150.0MAssets
$78.1MLoans
$134.8MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets (rank 36 of 629).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 545 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.27%

Rank 215 of 629

Net Interest Margin

4.86%

Rank 36 of 629

Efficiency Ratio

70.25%

Rank 357 of 629

Equity / Assets

8.61%

Rank 512 of 629

Non-interest income vs. expense

$0.9M$5.7MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 43% of banks under $1B in assets
Bank 70.25%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.27%0.60%1.01%1.45%Beats 66%215 / 629
Return on Equity14.80%5.38%9.30%13.28%Beats 83%109 / 629
Net Interest Margin4.86%3.03%3.54%4.05%Beats 94%36 / 629
Efficiency Ratio70.25%58.35%67.79%79.08%Beats 43%357 / 629
Asset Quality
Nonperforming Loans / Loans1.30%0.09%0.46%1.20%Beats 23%450 / 581
Net Charge-Offs / Loans0.27%n/a0.01%0.06%Beats 6%545 / 581
Capital
Tier 1 Capital Ratio9.74%11.24%13.84%18.77%Beats 9%574 / 629
Total Risk-Based Capital Ratio9.74%11.58%14.43%19.66%Beats 8%576 / 629
Equity / Assets8.61%9.09%10.65%13.80%Beats 19%512 / 629
Liquidity & Funding
Loans / Deposits57.97%67.24%80.90%93.48%16th pctl497 / 594
Loans / Assets52.09%53.31%67.71%78.15%24th pctl480 / 629
Brokered Deposits / Depositsn/aNot reported for this institution