BlastPoint's Banking Scorecard
Sweet Water State Bank
Micro
Specialty: Agricultural
AL
FDIC cert 9615
Designations: ✓ Community bank
Sweet Water, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Sweet Water State Bank shows strong momentum with 1 strength and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.81% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.1M
+6.4% YoY
+3.2% QoQ
|
-$63.4M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$74.9M
+3.5% YoY
-0.1% QoQ
|
-$64.3M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$138.2M
+6.0% YoY
+3.6% QoQ
|
-$45.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.61%
-16.1% YoY
-18.3% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.66%
-10.3% YoY
+0.1% QoQ
|
+1.81% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
62.62%
+6.5% YoY
-1.0% QoQ
|
-5.11% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.31%
-46.3% YoY
-39.1% QoQ
|
-0.33% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
54.21%
-2.4% YoY
-3.6% QoQ
|
-20.31% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
31.43%
+1.5% YoY
-3.6% QoQ
|
+9.03% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.25%
-21.4% YoY
-12.1% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.47%
+22.9% YoY
+28.6% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.66%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Net Interest Margin
Current: 5.66% · Tier avg: 3.85%
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.21% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.43% · Tier avg: 22.39%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
65
65th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
60
60th pctile
Efficiency Ratio
Current: 62.62% · Tier avg: 67.73%
55
55th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Total Deposits
Current: $138.2M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $154.1M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $74.9M · Tier avg: $139.2M
Top Weaknesses
31
31th pctile
Total Loans
Current: $74.9M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $154.1M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $138.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.64%
60
60th pctile
Efficiency Ratio
Current: 62.62% · Tier avg: 67.73%
65
65th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.43% · Tier avg: 22.39%
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.21% · Tier avg: 74.53%
97
97th pctile
Net Interest Margin
Current: 5.66% · Tier avg: 3.85%