Sweet Water State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Yield on loans, which fell 0.42 percentage points to 9.11%. Among 93 Alabama banks, Sweet Water State Bank sits 4th from the top on net interest margin, 5.62% as of Q2 2026. Sweet Water State Bank reported 5.62% on net interest margin for Q2 2026, 1.67 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.06% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.62% |
| Yield to cost spread | 4.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $462K |
| Interest expense on deposits | $462K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 7.27% | 1.02% | 6.26% |
| Q4 2023 | 7.94% | 1.24% | 6.69% |
| Q1 2024 | 8.04% | 1.37% | 6.66% |
| Q2 2024 | 8.19% | 1.57% | 6.60% |
| Q3 2024 | 8.79% | 1.80% | 6.96% |
| Q4 2024 | 8.25% | 1.84% | 6.39% |
| Q1 2025 | 7.71% | 1.71% | 5.95% |
| Q2 2025 | 7.63% | 1.69% | 5.91% |
| Q3 2025 | 7.80% | 1.70% | 6.04% |
| Q4 2025 | 7.72% | 1.59% | 6.08% |
| Q1 2026 | 7.25% | 1.40% | 5.78% |
| Q2 2026 | 7.06% | 1.35% | 5.62% |
Sweet Water State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sweet Water State Bank, freeSource: Call Report Schedules RI and RC-K, 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)