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
Unfavorable gap of $4.8M · efficiency ratio beats 43% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.60% | 1.01% | 1.45% | Beats 66% | 215 / 629 | |
| Return on Equity | 14.80% | 5.38% | 9.30% | 13.28% | Beats 83% | 109 / 629 | |
| Net Interest Margin | 4.86% | 3.03% | 3.54% | 4.05% | Beats 94% | 36 / 629 | |
| Efficiency Ratio | 70.25% | 58.35% | 67.79% | 79.08% | Beats 43% | 357 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.46% | 1.20% | Beats 23% | 450 / 581 | |
| Net Charge-Offs / Loans | 0.27% | n/a | 0.01% | 0.06% | Beats 6% | 545 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 11.24% | 13.84% | 18.77% | Beats 9% | 574 / 629 | |
| Total Risk-Based Capital Ratio | 9.74% | 11.58% | 14.43% | 19.66% | Beats 8% | 576 / 629 | |
| Equity / Assets | 8.61% | 9.09% | 10.65% | 13.80% | Beats 19% | 512 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 57.97% | 67.24% | 80.90% | 93.48% | 16th pctl | 497 / 594 | |
| Loans / Assets | 52.09% | 53.31% | 67.71% | 78.15% | 24th pctl | 480 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |