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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

7.25%Q2 ’246.54%Q2 ’256.02%Q2 ’26-13%-5%

Non-interest income vs. expense

3.64%Q2 ’244.01%Q2 ’254.09%Q2 ’26+10%+0%

Executive Summary

  • Earnings: ROA of 0.98%, down 24 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 1.30% of loans (+101 bps YoY), with net charge-offs at 0.41%.
  • 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 (quarter, annualized)

0.98%-24 bps YoY

Net Interest Margin (quarter, annualized)

4.78%-27 bps YoY

Efficiency Ratio (quarter, annualized)

76.22%+408 bps YoY

Tier 1 Leverage Ratio

9.74%-31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.78%0.46%1.51%0.98%-24 bps
Return on Equity14.78%20.39%5.15%17.97%11.92%-287 bps
Net Interest Margin5.05%5.21%4.96%4.97%4.78%-27 bps
Efficiency Ratio72.14%60.04%60.78%64.51%76.22%+408 bps
Non-Interest Burden3.50%2.88%2.84%2.98%3.51%0 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 / Loans-0.10%0.01%0.01%0.46%0.41%+51 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