Sweet Water State Bank is a state-chartered bank headquartered in Sweet Water, Alabama, in business for about 113 years. At the end of Q2 2026 it reported $150.0M in total assets and $134.8M in deposits, with 5 offices.
Sweet Water State Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 60th. Funding & liquidity contributes the most (92/100, 57% loans-to-deposits, 23% uninsured); capital cushion contributes the least (47/100, 9.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (79 → 67), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 83 |
| Q4 2024 | 82 |
| Q1 2025 | 80 |
| Q2 2025 | 79 |
| Q3 2025 | 80 |
| Q4 2025 | 77 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.14% |
| Q3 2024 | 11.56% |
| Q4 2024 | 11.66% |
| Q1 2025 | 9.92% |
| Q2 2025 | 10.05% |
| Q3 2025 | 10.58% |
| Q4 2025 | 9.85% |
| Q1 2026 | 9.48% |
| Q2 2026 | 9.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.30% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 2.11% |
| Q4 2024 | 1.92% |
| Q1 2025 | 2.11% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $150.0M | 9.74% | 1.30% | 1.59% | 56.9% |
| Q1 2026 | 68 | $154.9M | 9.48% | 1.39% | 1.92% | 55.8% |
| Q4 2025 | 77 | $154.1M | 9.85% | 0.30% | 1.61% | 54.2% |
| Q3 2025 | 80 | $149.3M | 10.58% | 0.50% | 1.97% | 56.2% |
| Q2 2025 | 79 | $142.8M | 10.05% | 0.29% | 1.83% | 58.4% |
| Q1 2025 | 80 | $141.7M | 9.92% | 0.32% | 2.11% | 56.9% |
| Q4 2024 | 82 | $144.8M | 11.66% | 0.57% | 1.92% | 55.5% |
| Q3 2024 | 83 | $131.5M | 11.56% | 0.60% | 2.11% | 61.0% |
| Q2 2024 | 71 | $126.9M | 11.14% | 1.58% | 2.16% | 62.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MoundvilleBank Moundville, AL | 55 out of 100, Moderate | $144.6M | 15.1% | 5.45% | vs |
| Citizens' Bank, Inc.Bank Robertsdale, AL | 77 out of 100, Strong | $158.9M | 11.0% | 0.14% | vs |
| Merchants & Farmers Bank of Greene County, AlabamaBank Eutaw, AL | 46 out of 100, Below average | $135.9M | 11.7% | 5.41% | vs |
| The Southern Bank CompanyBank Gadsden, AL | 76 out of 100, Strong | $133.1M | 15.1% | 1.89% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| Valley State BankBank Russellville, AL | 82 out of 100, Strong | $169.5M | 17.8% | 0.97% | vs |
Deposit insurance
Is my money safe at Sweet Water State Bank?
Yes. Sweet Water State Bank is an FDIC-insured institution (FDIC certificate #9615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.9% of deposits ($30.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Sweet Water State Bank lists 5 offices in 5 cities. Most locations:
- Camden, AL (1)
- Demopolis, AL (1)
- Linden, AL (1)
- Sweet Water, AL (1)
- Thomasville, AL (1)
Identity & history
Profile
- Legal name
- Sweet Water State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9615
- RSSD ID
- 253730
- Primary regulator
- FDIC
- Holding company
- Tombigbee Bancshares Inc
- Established
- January 1, 1913
- Headquarters
- 31385 Alabama Highway 10, Sweet Water, AL 36782
- Website
- www.sweetwaterstbk.com
- Employees
- 34
Quick answers
Sweet Water State Bank: common questions
Is Sweet Water State Bank FDIC insured?
Yes. Sweet Water State Bank is an FDIC-insured institution (FDIC certificate #9615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sweet Water State Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sweet Water State Bank ever failed?
There is no failure record for FDIC certificate #9615 in the FDIC failed bank list.
How many branches does Sweet Water State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sweet Water
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Naheola Credit UnionCredit union Pennington, AL | 74 out of 100, Strong | $219.6M | 18.0% | 1.97% | vs |
| Community Neighbor BankBank Camden, AL | 69 out of 100, Moderate | $193.2M | 11.1% | 1.30% | vs |
| First US BankBank Birmingham, AL | 67 out of 100, Moderate | $1.1B | 9.2% | 0.15% | vs |