Sweet Water State Bank
Sweet Water, AL · Cert 9615 · Peer group: banks under $1B in assets (n=570-617) · 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 34 of 617).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 536 of 570).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.27%
Rank 212 of 617
Net Interest Margin
4.86%
Rank 34 of 617
Efficiency Ratio
70.25%
Rank 349 of 617
Equity / Assets
8.61%
Rank 501 of 617
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 44% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.60% | 1.01% | 1.45% | Beats 66% | 212 / 617 | | |
| Return on Equity | 14.80% | 5.30% | 9.43% | 13.30% | Beats 83% | 105 / 617 | | |
| Net Interest Margin | 4.86% | 3.04% | 3.54% | 4.05% | Beats 94% | 34 / 617 | | |
| Efficiency Ratio | 70.25% | 58.03% | 67.76% | 79.08% | Beats 44% | 349 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.48% | 1.27% | Beats 24% | 436 / 570 | | |
| Net Charge-Offs / Loans | 0.27% | n/a | 0.01% | 0.06% | Beats 6% | 536 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 11.18% | 13.83% | 18.55% | Beats 9% | 563 / 617 | | |
| Total Risk-Based Capital Ratio | 9.74% | 11.56% | 14.39% | 19.39% | Beats 8% | 565 / 617 | | |
| Equity / Assets | 8.61% | 9.03% | 10.55% | 13.63% | Beats 19% | 501 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.97% | 64.77% | 79.70% | 93.06% | 18th pctl | 478 / 582 | | |
| Loans / Assets | 52.09% | 51.70% | 67.18% | 77.51% | 26th pctl | 457 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |