Sweet Water State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 10.25 percentage points lower than in Q1 2026, at 8.15%. Sweet Water State Bank ranks 66th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 57.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sweet Water State Bank sits 22.86 points lower, at 57.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.1M |
| Net loans and leases | $76.6M |
| Loans held for sale | $0 |
| Loans to total assets | 52.09% |
| Loan-to-deposit ratio | 57.97% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.93% |
| Multifamily (5+ residential) | 0.07% |
| Commercial and industrial | 23.84% |
| Consumer | 5.90% |
| Credit cards | 0.00% |
| Farm | 29.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.51% |
| Construction concentration (Tier 1 capital + allowance) | 8.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $64.7M | $103.4M | 17.85% | 23.90% | 5.68% |
| Q4 2023 | $69.2M | $108.5M | 17.51% | 23.40% | 5.81% |
| Q1 2024 | $71.5M | $111.8M | 17.49% | 21.66% | 5.87% |
| Q2 2024 | $71.9M | $113.1M | 17.85% | 21.36% | 6.34% |
| Q3 2024 | $72.0M | $116.6M | 17.38% | 21.60% | 6.49% |
| Q4 2024 | $73.4M | $130.4M | 17.10% | 21.10% | 6.21% |
| Q1 2025 | $73.8M | $127.8M | 17.46% | 20.86% | 5.84% |
| Q2 2025 | $75.9M | $128.1M | 16.14% | 20.99% | 6.00% |
| Q3 2025 | $76.0M | $133.3M | 16.87% | 21.29% | 6.10% |
| Q4 2025 | $76.6M | $138.2M | 17.04% | 22.60% | 6.13% |
| Q1 2026 | $79.8M | $140.3M | 16.32% | 22.46% | 5.75% |
| Q2 2026 | $78.1M | $134.8M | 16.93% | 23.84% | 5.90% |
Sweet Water State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sweet Water State Bank, freeSource: Call Report Schedule RC-C, 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)