Side-by-side · Q2 2026 data
Sweet Water State Bank vs West Alabama Bank & Trust
Metric by metric
| Measure | Sweet Water State Bank | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 47 | 72 (stronger) |
| Loan quality | 57 | 85 (stronger) |
| Earnings | 84 (stronger) | 71 |
| Funding & liquidity | 92 (stronger) | 77 |
| Problem-loan coverage | 84 | 87 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $150.0M | $929.0M |
| Deposits / shares | $134.8M | $806.4M |
| Capital ratio | 9.74% | 12.22% (stronger) |
| Problem loans | 1.30% | 0.44% (stronger) |
| Net charge-offs | 0.44% | 0.16% (stronger) |
| Return on assets | 1.59% (stronger) | 1.28% |
| Loans ÷ deposits | 56.9% (stronger) | 74.0% |
| Uninsured deposits | 22.9% (stronger) | 23.0% |
| Offices | 5 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sweet Water State Bank leads on 3 and West Alabama Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.