Sweet Water State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sweet Water State Bank of Sweet Water, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.27% | 1.34% | -0.07% | 51st above |
| ROAE | 15.18% | 13.31% | +1.87% | 67th above |
| Net Interest Margin | 5.62% | 3.93% | +1.69% | 98th top |
| Efficiency Ratio | 75.20% | 61.14% | +14.06% | 19th bottom |
| PPNR / Avg Assets | 1.27% | 1.68% | -0.41% | 32nd below |
| Yield on Earning Assets | 7.06% | 5.67% | +1.39% | 95th top |
| Cost of Funds | 1.35% | 1.88% | -0.53% | 78th top |
| Net Interest Spread | 4.99% | 3.32% | +1.67% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.30% | 0.94% | +0.36% | 22nd bottom |
| NPA / Total Assets | 0.78% | 0.70% | +0.08% | 27th below |
| NCO / Avg Loans | 0.40% | 0.16% | +0.24% | 7th bottom |
| ACL / Total Loans | 1.91% | 1.28% | +0.63% | 92nd top |
| ACL / NPLs (Coverage) | 147.68% | 1538.89% | -1391.21% | 40th below |
| Texas Ratio | 8.09% | 7.33% | +0.76% | 28th below |
| Provision / NCO | 0.00% | 1395.80% | -1395.80% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.74% | 12.14% | -2.40% | 26th below |
| Equity / Assets | 8.61% | 11.37% | -2.76% | 21st bottom |
| TCE / Tangible Assets | 8.61% | 11.09% | -2.48% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.97% | 80.64% | -22.67% | 85th top |
| Core Deposit Ratio | 86.55% | 86.86% | -0.31% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.06% | 6.85% | -1.79% | 55th above |
| Loan Growth (Y/Y) | 2.90% | 7.90% | -5.00% | 36th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.20% | 6.29% | -1.09% | 59th above |
See Sweet Water State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sweet Water State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sweet Water State Bank profile, how to read a UBPR, or how this data updates.