B
Sweet Water State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Sweet Water State Bank
Sweet Water, AL
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Rating B
Asset Quality Index 7.20
Capitalization Index 9.40
Liquidity Index 3.30
Profitability Index 8.70
Stability Index 5.30
Company Info Sweet Water State Bank
Sweet Water, AL
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FDIC Number 9615
Phone Number (334) 994-4113
Website www.sweetwaterstbk.com
Asset Quality Sweet Water State Bank
Sweet Water, AL
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1-Year Asset Growth 13.53%
5-Year Asset Growth 8.99%
5-Year Charge-Offs to Average Loans 0.63%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 2.38%
Non-Performing Loans to Loans 0.37%
Balance Sheet Sweet Water State Bank
Sweet Water, AL
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Total Assets 149.29M
Total Deposits 133.32M
Capital and Reserves Sweet Water State Bank
Sweet Water, AL
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Capital 13.31M
Leverage Ratio 10.58
Loan Loss Reserves to Loans 1.41%
Risk-Based Capital Ratio --
Liquidity Sweet Water State Bank
Sweet Water, AL
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Hot Money Ratio 31.77%
Liquidity Ratio 29.52%
Profitability Sweet Water State Bank
Sweet Water, AL
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5-Year Return on Average Assets 1.13%
Net Income 2.14M
Net Interest Spread 5.97%
Operating Profit to Average Assets 2.01%
Overhead Efficiency Ratio 63.26%
Return on Assets 2.01%
Return on Equity 23.51%