SWEET WATER STATE BANK

SWEET WATER, AL | Small | Est. Jan. 1, 1913, midnight | FDIC #9615 | RSSD #253730 | FDIC
Latest Report: 2025-12-31

SWEET WATER STATE BANK is asn small FDIC-insured commercial bank headquartered in SWEET WATER, AL, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $154M and total deposits of $138M. Profitability stands at 0.58% ROA and 6.52% ROE, with a net interest margin of 5.49%. The bank's CET1 capital ratio is 8.87%. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 1.29%. FDIC Certificate #9615.

Assets

$154M

Deposits

$138M

Loans

$77M

Equity

$14M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 6.52%
Net Interest Margin (NIM) 5.49%
Yield on Assets 6.98%
Cost of Funds 1.54%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.29%
NPA Ratio 0.13%
ACL / Loans 2.18%

Capital & Liquidity

CET1 Ratio 8.87%
Tier 1 Capital 8.87%
Total Capital Ratio 9.31%
Leverage Ratio 9.85%
Loan-to-Deposit 55.42%

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