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Sweet Water State Bank
Sweet Water, AL · FDIC Certificate #9615 · Chartered 01/0
Total assets
$150.00M
Total deposits
$134.76M
Total equity
$12.91M
Net loans
$76.63M
Branches (offices)
5
Net income (YTD)
$1.22M
Rank: #3,311 of 4,213 U.S. banks by assets · #71 of 93 in Alabama. Assets changed 5.1% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 18.82% |
| Net interest margin (YTD) | 5.37% |
| Equity to assets | 8.61% |
| Tier 1 leverage ratio | 9.74% |
| Uninsured deposits (share of deposits) | 22.9% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.44% |
| Loans to deposits | 56.9% |
| Real estate loans (share of loans) | 61.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $47.00M | 61.3% | |
| Commercial & industrial | $18.63M | 24.3% | |
| Consumer / individual | $4.61M | 6.0% | |
| Construction & development | $1.31M | 1.7% | |
| Agricultural | $5.85M | 7.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $117.99M | $106.64M | $702.00K | $9.03M |
| Jun 2023 | $114.52M | $101.96M | $1.13M | $10.20M |
| Jun 2024 | $126.87M | $113.05M | $1.35M | $11.30M |
| Jun 2025 | $142.77M | $128.09M | $1.31M | $12.16M |
| Jun 2026 | $150.00M | $134.76M | $1.22M | $12.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $134.76M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.76M.
Similar-sized banks
The First National Bank Of Litchfield ($150.37M) · Heritage Bank Of Schaumburg ($149.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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