| Metric | Sweet Water State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.59% | 1.24% | +0.4 pts |
| ROE | 18.8% | 11.9% | +7.0 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.0M | $134.8M | $76.6M | $12.9M | $1.2M | 1.59% | 5.37% | 0.78% |
| Q1 2026 | $154.9M | $140.3M | $78.2M | $12.2M | $740K | 1.92% | 5.40% | 0.81% |
| Q4 2025 | $154.1M | $138.2M | $74.9M | $13.7M | $2.4M | 1.61% | 5.66% | 0.25% |
| Q3 2025 | $149.3M | $133.3M | $75.0M | $13.3M | $2.1M | 1.97% | 5.65% | 0.28% |
| Q2 2025 | $142.8M | $128.1M | $74.9M | $12.2M | $1.3M | 1.83% | 5.65% | 0.18% |
| Q1 2025 | $141.7M | $127.8M | $72.7M | $11.5M | $754K | 2.11% | 5.64% | 0.19% |
| Q4 2024 | $144.8M | $130.4M | $72.4M | $12.1M | $2.5M | 1.92% | 6.31% | 0.32% |
| Q3 2024 | $131.5M | $116.6M | $71.1M | $12.4M | $2.0M | 2.11% | 6.49% | 0.53% |
Loan mix (Q2 2026): real estate $47.0M · commercial $18.6M · consumer $4.6M · securities $33.9M
| Ratio | Sweet Water State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 62.9% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sweet Water State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sweet Water State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sweet Water State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sweet Water State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sweet Water State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2025) · $134.8M branch deposits. Biggest market: Marengo, AL, ranked 2nd with 14.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marengo, AL | 3 | $97.2M | 14.88% | 2nd |
| Clarke, AL | 1 | $24.1M | 2.78% | 8th |
| Wilcox, AL | 1 | $13.5M | 7.31% | 3rd |
Alabama: 132nd with 0.08% ·
Branch count: 2022 4 · 2023 4 · 2024 5 · 2025 5 · 2026 5