Sweet Water State Bank (FDIC #9615): Bank Stress & Real-Estate Credit Exposure
Sweet Water State Bank (FDIC Cert #9615): bank stress 64/100, elevated, STABLE over 7 days; parent TOMBIGBEE BANCSHARES INC.
Sweet Water State Bank (#9615) lends in 3 counties across 1 state; Sweet Water State Bank (#9615) reaches 34 ZIP codes: Alabama 3 counties, 34 ZIPs.
Sweet Water State Bank (#9615) largest markets: Marengo County, AL (48 branches, 16 ZIPs) (#9615), Wilcox County, AL (15 branches, 15 ZIPs) (#9615), Clarke County, AL (10 branches, 10 ZIPs) (#9615).
Sweet Water State Bank (#9615) reports $150.0 million in total assets; Sweet Water State Bank (#9615) equity $12.9 million (8.6% of Sweet Water State Bank (#9615) assets); Sweet Water State Bank (#9615) domestic deposits $134.8 million; Sweet Water State Bank (#9615) net income $1.2 million; Sweet Water State Bank (#9615) return on assets 1.59%; Sweet Water State Bank (#9615) return on equity 18.82%; Sweet Water State Bank (#9615) net interest income $3.6 million; Sweet Water State Bank (#9615) call report June 30, 2026.
Sweet Water State Bank (#9615) noncurrent real-estate loans: none reported; Sweet Water State Bank (#9615) net charge-offs on real estate 1.99%; Sweet Water State Bank (#9615) residential charge-offs 3.74%.
Sweet Water State Bank (#9615) net interest margin 5.37% against an eight-quarter Sweet Water State Bank (#9615) average of 5.77% (Sweet Water State Bank (#9615) compression 0.40 points); Sweet Water State Bank (#9615) non-residential real estate 374.3% of equity; Sweet Water State Bank (#9615) rate-exposure score 40/100, Sweet Water State Bank (#9615) fixed-rate trap 40/100; Sweet Water State Bank (#9615) risk type credit driven; Sweet Water State Bank (#9615) rate regime rates elevated, Sweet Water State Bank (#9615) snapshot October 19, 2026.
Sweet Water State Bank (#9615) stress score moved from 58.5 on June 22, 2026 to 63.7 on October 19, 2026; Sweet Water State Bank (#9615) ranged 58.5 to 63.7 over 116 snapshots.
Sweet Water State Bank (#9615) alerts: 3 counties; top Sweet Water State Bank (#9615) alert scores: Camden County, AL 23 (low); Sweet Water County, AL 23 (low); Thomasville County, AL 23 (low).