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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

$150.0MAssets
$78.1MLoans
$134.8MDeposits
$12.9MEquity
Loan mix
68%RE $48.3M25%C&I $17.9M6%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $89.9M33%Noninterest $44.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.55%1.27%1.51%1.25%-19 bps
Return on Equity17.29%18.25%14.82%17.97%14.77%-252 bps
Net Interest Margin5.06%5.14%4.79%4.97%4.86%-20 bps
Efficiency Ratio64.94%63.26%62.62%64.51%70.25%+531 bps
Non-Interest Burden3.13%3.06%2.82%2.98%3.23%+11 bps
Growth
Asset Growth (YoY)12.54%13.53%6.43%9.27%5.06%-748 bps
Loan Growth (YoY)5.62%5.56%4.33%8.21%2.90%-272 bps
Deposit Growth (YoY)13.30%14.37%5.98%9.76%5.20%-810 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.50%0.30%1.39%1.30%+101 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.46%0.44%+41 bps
Allowance / Loans1.41%1.41%2.18%1.97%1.91%+50 bps
Allowance Coverage of NPLs4.9x2.8x7.2x1.4x1.5x-3.4x
Capital
Tier 1 Leverage Ratio10.05%10.58%9.85%9.48%9.74%-31 bps
Total Risk-Based Capital10.05%10.58%9.85%9.48%9.74%-31 bps
Equity / Assets8.51%8.92%8.87%7.89%8.61%+9 bps
Liquidity & Funding
Loans / Deposits59.27%57.03%55.42%56.87%57.97%-130 bps
Liquid Assets / Assets1.88%1.82%1.78%1.79%1.86%-1 bps
CRE / Total Capitaln/a102.36%104.00%113.19%n/an/a