Sweet Water State Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 3.84 percentage points in Q2 2026, from 37.09% to 33.25%. It was the largest change from Q1 2026 among the key lines here. Sweet Water State Bank ranks 70th of 93 Alabama banks on total deposits, in the lower half at $134.8M (Q2 2026). Sweet Water State Bank's total deposits of $134.8M is well below the $277.3M median for banks in the $100M-1B asset tier, a gap of 51% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $134.8M |
| Domestic office deposits | $134.8M |
| Foreign office deposits | — |
| Deposits to total assets | 89.84% |
| Deposits to total liabilities | 98.30% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $44.8M |
| Savings deposits | $16.8M |
| Transaction accounts to domestic deposits | 44.84% |
| Time deposits | $41K |
| Time deposits under $100k | $13.0M |
| Time deposits $100k to $250k | $23.9M |
| Time deposits over $250k | $18.1M |
| Noninterest-bearing share of deposits | 33.25% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $116.6M |
| Core deposits to total deposits | 86.55% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.07% |
| Interest expense on deposits | $462K |
| Loans and leases to core deposits | 66.99% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $103.4M | 88.93% | 0.00% | 1.59% |
| Q4 2023 | $108.5M | 90.70% | 0.00% | 1.82% |
| Q1 2024 | $111.8M | 92.44% | 0.00% | 2.05% |
| Q2 2024 | $113.1M | 88.35% | 0.00% | 2.33% |
| Q3 2024 | $116.6M | 87.25% | 0.00% | 2.62% |
| Q4 2024 | $130.4M | 86.44% | 0.00% | 2.56% |
| Q1 2025 | $127.8M | 84.53% | 0.00% | 2.46% |
| Q2 2025 | $128.1M | 85.02% | 0.00% | 2.46% |
| Q3 2025 | $133.3M | 86.14% | 0.00% | 2.46% |
| Q4 2025 | $138.2M | 86.17% | 0.00% | 2.26% |
| Q1 2026 | $140.3M | 87.17% | 0.00% | 2.09% |
| Q2 2026 | $134.8M | 86.55% | 0.00% | 2.07% |
Sweet Water State Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Sweet Water State Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sweet Water State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9615) · FFIEC NIC profile (RSSD 253730)