Sweet Water State Bank
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (6.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Securities (23%), comm loans (12%), comm re (9%), home mtgs (5%), cash (5%), consumer loans (3%), home eq lns (1%), other (42%)
States with Branches:
AL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Tombigbee Bancshares, Inc.
Investment Rating
--
Address
31385 Alabama Highway 10
Sweet Water, AL 36782
Sweet Water, AL 36782
Phone Number
(334) 994-4113
Year Founded
1913
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.