Sweet Water State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3352.32 percentage points lower than in Q1 2026, at 147.68%. Within Alabama, Sweet Water State Bank is 35th of 93 on return on assets, 1.27% as of Q2 2026, above the middle of the field. At 1.27%, Sweet Water State Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.74% |
| Equity capital to assets | 8.61% |
| Tangible equity to tangible assets | 8.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.30% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 8.09% |
| Allowance for credit losses to loans | 1.91% |
| Reserve coverage of non-performing loans | 147.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 15.18% |
| Net interest margin | 5.62% |
| Efficiency ratio | 75.20% |
| Yield on earning assets | 7.06% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.97% |
| Core deposits to total deposits | 86.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.84% |
| Securities to assets | 22.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.48% | 1.72% | 6.26% | 1.77% | 1.04% |
| Q4 2023 | 11.72% | 1.43% | 6.69% | 1.44% | 1.21% |
| Q1 2024 | 10.83% | 2.41% | 6.66% | 1.17% | 0.86% |
| Q2 2024 | 11.14% | 2.00% | 6.60% | 1.18% | 0.65% |
| Q3 2024 | 11.56% | 2.09% | 6.96% | 0.47% | 1.68% |
| Q4 2024 | 11.66% | 1.55% | 6.39% | 0.28% | 0.30% |
| Q1 2025 | 9.92% | 2.15% | 5.95% | 0.27% | 0.17% |
| Q2 2025 | 10.05% | 1.55% | 5.91% | 0.26% | -0.10% |
| Q3 2025 | 10.58% | 2.33% | 6.04% | 0.37% | 0.01% |
| Q4 2025 | 9.85% | 0.57% | 6.08% | 0.06% | 0.01% |
| Q1 2026 | 9.48% | 1.99% | 5.78% | 0.06% | 0.47% |
| Q2 2026 | 9.74% | 1.27% | 5.62% | 1.30% | 0.40% |
Sweet Water State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sweet Water State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)