Sweet Water State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.74 percentage points higher than in Q1 2026, at 66.99%. Within Alabama, Sweet Water State Bank is 66th of 93 on loan-to-deposit ratio, 57.97% as of Q2 2026, below the middle of the field. Sweet Water State Bank reported 57.97% on loan-to-deposit ratio for Q2 2026, 22.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.7M |
| Fed funds sold and reverse repos | $21.0M |
| Fed funds sold and reverse repos to assets | 13.99% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.97% |
| Net loans and leases to deposits | 56.86% |
| Loans and leases to core deposits | 66.99% |
| Core deposits to total deposits | 86.55% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 62.54% | 88.93% | $0 | $0 |
| Q4 2023 | 63.78% | 90.70% | $0 | $0 |
| Q1 2024 | 63.98% | 92.44% | $0 | $0 |
| Q2 2024 | 63.58% | 88.35% | $0 | $0 |
| Q3 2024 | 61.79% | 87.25% | $0 | $0 |
| Q4 2024 | 56.29% | 86.44% | $0 | $0 |
| Q1 2025 | 57.69% | 84.53% | $0 | $0 |
| Q2 2025 | 59.27% | 85.02% | $0 | $0 |
| Q3 2025 | 57.03% | 86.14% | $0 | $0 |
| Q4 2025 | 55.42% | 86.17% | $0 | $0 |
| Q1 2026 | 56.87% | 87.17% | $0 | $0 |
| Q2 2026 | 57.97% | 86.55% | $0 | $0 |
Sweet Water State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sweet Water State Bank, freeSource: Call Report Schedules RC and RC-M, 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)