Sweet Water State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sweet Water State Bank is an FDIC-insured commercial bank headquartered in Sweet Water, AL, established in 1913 (FDIC certificate 9615), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $150.0M, up 5.1% from Q2 2025, the 71st largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9615
- Headquarters
- Sweet Water, AL
- Established
- 1913
- Total assets, Q2 2026
- $150.0M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 9.74%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 062104290
- Latest call report
- Q2 2026, FFIEC 051 · Sweet Water State Bank call report
- Holding company
- TOMBIGBEE BANCSHARES, INC.
- Asset rank in state
- 71st of 93 in Alabama
Problem loans are rising at Sweet Water State Bank. Its balance sheet stood at $150 million at June 30, 2026, up 5.1% from a year earlier; it is based in Sweet Water, Alabama. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 0.29% a year earlier. It keeps 5.62 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also holds commercial real estate loans equal to only 39% of its capital, about a third the median of 1.2 times for banks its size.
Its $19 million commercial and industrial book is improving, with 3.02% past due or on nonaccrual, down from 4.88% a year earlier. Net income for the quarter slipped 14% from a year earlier, to $477,000. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Sweet Water State Bank reported a return on assets of 1.27%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 8.09%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Sweet Water State Bank is the 71st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.1% to $150.0M, loans fell 2.1% and deposits fell 4.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 29.9% of total loans, ahead of commercial and industrial loans at 23.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in AL; its Sweet Water office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sweet Water State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 31385 Alabama Highway 10, Sweet Water, AL 36782
- County
- Marengo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $134.8M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $172K
- Average total assets
- $149.7M
- Average total loans
- $79.2M
- Average interest-bearing deposits
- $88.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9615
- Fed RSSD
- 253730
- Website
- www.sweetwaterstbk.com →
- Parent Holding Company
- TOMBIGBEE BANCSHARES, INC. (RSSD 3346745)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Sweet Water State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Sweet Water State Bank's total assets ran between $115.9M (Q3 2023) and $154.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$150.0M total assets against $142.8M; $137.1M total liabilities against $130.6M.
$76.6M net loans and leases against $74.9M; $134.8M total deposits against $128.1M.
$33.9M securities against $28.6M; $22.8M cash and balances due against $23.6M.
$2.3M total interest income against $2.3M; $462K total interest expense against $535K.
$1.8M net interest income against $1.8M.
$217K total noninterest income against $182K; $1.5M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$477K net income against $555K.
1.27% return on assets against 1.55%; 5.62% net interest margin against 5.91%.
9.74% tier 1 leverage ratio against 10.05%.
Inside the full Sweet Water State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSweet Water State Bank rankings
Its closest position to the top of a national ranking is 822 of 3,640, for Texas Ratio; its furthest is 3,059 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q4 2025) to 2.33% (Q3 2025) and its net interest margin ran from 5.62% (Q2 2026) to 6.96% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.74% | 1.27% | 1.30% | 8.09% | 5.62% |
| Q1 2026 | 9.48% | 1.99% | 1.39% | 9.11% | 5.78% |
| Q4 2025 | 9.85% | 0.57% | 0.30% | 2.50% | 6.08% |
| Q3 2025 | 10.58% | 2.33% | 0.50% | 2.93% | 6.04% |
| Q2 2025 | 10.05% | 1.55% | 0.29% | 1.95% | 5.91% |
| Q1 2025 | 9.92% | 2.15% | 0.32% | 2.18% | 5.95% |
| Q4 2024 | 11.66% | 1.55% | 0.57% | 3.50% | 6.39% |
| Q3 2024 | 11.56% | 2.09% | 0.60% | 5.26% | 6.96% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sweet Water State Bank (main office) | Sweet Water , AL | 36782 | $44.6M |
| Linden Branch | Linden , AL | 36748 | $31.3M |
| Thomasville Branch | Thomasville , AL | 36784 | $24.1M |
| Demopolis Branch | Demopolis , AL | 36732 | $21.2M |
| Camden Branch | Camden , AL | 36726 | $13.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 95 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sweet Water State Bank
What are Sweet Water State Bank's total assets?
As of the Q2 2026 filing, Sweet Water State Bank reported total assets of $150.0 million in its FFIEC call report.
Where is Sweet Water State Bank headquartered?
It is headquartered in Sweet Water, AL, United States.
When was Sweet Water State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Sweet Water State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sweet Water State Bank?
Sweet Water State Bank's primary federal regulator is the FDIC.
How many branches does Sweet Water State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sweet Water State Bank's Texas Ratio?
Its Texas Ratio is 8.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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