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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Sweet Water, AL · FDIC certificate #9615
SWEET WATER STATE BANK is an FDIC-insured institution based in Sweet Water, AL (FDIC certificate #9615). In its Q3 2026 Call Report it reported total assets of $146M, total deposits of $132M and net loans of $75M. Its primary federal regulator is FDIC.
Plain-language readout
SWEET WATER STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $155M in Q1 2026 and were lowest at $146M in Q3 2026.
Total deposits were highest at $140M in Q1 2026 and lowest at $132M in Q3 2026.
Over the whole period total assets fell 5.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $146M | $132M | $75M | 1.61% | 19.22% | 5.47% |
| Q2 2026 | $150M | $135M | $77M | 1.59% | 18.82% | 5.37% |
| Q1 2026 | $155M | $140M | $78M | 1.92% | 22.87% | 5.40% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.8M | $7.2M | -$399K | -5.5% |
| Federal funds sold | $16.0M | $19.4M | -$3.4M | -17.4% |
| Securities purchased under agreements to resell | $5.0M | $5.0M | $0K | 0.0% |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $33.9M | $33.3M | +$561K | +1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $76.6M | $78.2M | -$1.6M | -2.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.4M | $6.4M | +$55K | +0.9% |
| Other real estate owned | $150K | $150K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.1M | $5.2M | -$109K | -2.1% |
| Total assets | $150.0M | $154.9M | -$4.9M | -3.1% |
| Liabilities | ||||
| Total deposits | $134.8M | $140.3M | -$5.6M | -4.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.3M | $2.3M | +$9K | +0.4% |
| Total liabilities | $137.1M | $142.6M | -$5.6M | -3.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $6.2M | $6.2M | $0K | 0.0% |
| Retained earnings | $8.1M | $7.6M | +$477K | +6.3% |
| Accumulated other comprehensive income | -$1.7M | -$1.9M | +$210K | +11.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $12.9M | $12.2M | +$687K | +5.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $1.3M | -$91K | -7.2% |
| Adjusted nonperforming assets | $1.2M | $1.3M | -$91K | -7.2% |
| Tangible equity plus allowance | $14.4M | $13.8M | +$608K | +4.4% |
| Texas ratio (gross) | 8.09% | 9.11% | -1.02 pts | See points |
| Texas ratio (adjusted) | 8.09% | 9.11% | -1.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.09% | 9.11% | -1.02 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.74% | 9.48% | +0.26 pts | See points |
| Construction and land loans to total capital | 8.15% | 18.40% | -10.25 pts | See points |
| Commercial real estate to total capital | 38.51% | 48.00% | -9.49 pts | See points |
| Dividend payout, year to date | 151.93% | 249.86% | -97.93 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -11.58% | -13.53% | +1.95 pts | See points |
| Liquidity | ||||
| Core deposits | $116.6M | $122.3M | -$5.7M | -4.6% |
| Non-core funding | $18.1M | $18.0M | +$123K | +0.7% |
| Loans to core deposits | 66.99% | 65.25% | +1.74 pts | See points |
| Loans to deposits | 57.97% | 56.87% | +1.10 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 70.77% | 72.76% | -1.99 pts | See points |
| Loans pledged, share of loans | 0.11% | 0.11% | -0.00 pts | See points |
| Volatile liabilities | $18.1M | $18.0M | +$123K | +0.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $740K | +$477K | +64.5% |
| Earnings before provision, single quarter | $477K | $740K | -$263K | -35.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 9.08% | 9.54% | -0.46 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 6.02% | 6.25% | -0.24 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.10% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.16% | 0.17% | -0.00 pts | See points |
| Cost of time deposits | 3.35% | 3.46% | -0.10 pts | See points |
| Total interest expense to average assets | 1.23% | 1.28% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $146M | $132M | $75M | 1.61% | 19.22% | 5.47% |
| 2026-06-30 | $150M | $135M | $77M | 1.59% | 18.82% | 5.37% |
| 2026-03-31 | $155M | $140M | $78M | 1.92% | 22.87% | 5.40% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $128.1M | 0.09% | 97 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.