BlastPoint's Banking Scorecard
Sweet Water State Bank
Sweet Water, AL
5 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +5.2% year over year ($134.8M on the books).
- Delinquency rate 1.33%.
- Return on assets 1.59%.
- Efficiency ratio 70.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 56.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sweet Water State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 26.3% in tier
- + ROA 0.27% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 33.1% in tier
- - Cost Spiral: Bottom 47.8% in tier
- - Margin Compression: Bottom 61.6% in tier
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.0M
+5.1% YoY
-3.1% QoQ
|
-$236.6M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.9% in tier |
| Total Loans ? |
$76.6M
+2.4% YoY
-2.0% QoQ
|
-$181.7M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.1% in tier |
| Total Deposits ? |
$134.8M
+5.2% YoY
-4.0% QoQ
|
-$192.0M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.59%
-13.0% YoY
-17.0% QoQ
|
+0.27% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
5.37%
-5.0% YoY
-0.6% QoQ
|
+1.38% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 3.9% in tier |
| Efficiency Ratio ? |
70.25%
+8.2% YoY
+8.9% QoQ
|
+5.77% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
1.33%
+353.2% YoY
-6.3% QoQ
|
+0.41% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
56.86%
-2.7% YoY
+2.0% QoQ
|
-21.09% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.25%
+6.0% YoY
-10.4% QoQ
|
+11.22% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Top 12.0% in tier |
| Nonperforming Asset Ratio ? |
0.78%
+330.2% YoY
-4.2% QoQ
|
+0.11% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
9.74%
-3.1% YoY
+2.7% QoQ
|
-6.17% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.5% in tier |
| Non-Interest Income / Assets ? |
0.30%
+33.7% YoY
+97.4% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
73% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.3%
+1.9pp YoY -3.8pp QoQ |
+11.1pp | 22.1% | 24.0% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.3%
+3.0pp YoY +1.4pp QoQ |
+12.7pp | 11.6% | 16.9% | 12.5% | 92% |
| CRE |
19.0%
-0.6pp YoY -1.4pp QoQ |
-20.5pp | 39.5% | 43.5% | 41.4% | 16% |
| 1-4 Family |
11.9%
+0.9pp YoY +1.3pp QoQ |
-20.8pp | 32.6% | 30.6% | 31.3% | 14% |
| Consumer |
6.0%
-0.1pp YoY +0.2pp QoQ |
+1.9pp | 4.1% | 5.7% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
9.7%
-0.3pp YoY +0.3pp QoQ |
-2.4pp | 12.2% | 13.2% | 12.6% | 26% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+1 (+3.0%) YoY 0 QoQ |
-25 | 58 | 304 | 482 | 33% |
| Assets per Employee ($) |
$4.4M
+2.0% YoY -3.1% QoQ |
-$3.1M | $7.5M | $6.9M | $8.8M | 8% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 20 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -1.4pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 10% |
| Nonaccrual |
1.3%
+1.1pp YoY +1.3pp QoQ |
+0.4pp | 0.9% | 1.2% | 1.0% | 79% |
| Allowance Coverage |
1.47x
-69.9% YoY +3.5% QoQ |
-22.68x | 24.15x | 7.50x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.4%
+0.4pp YoY 0.0pp QoQ |
+0.3pp | 0.1% | 0.3% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.8%
-3.2pp YoY -4.1pp QoQ |
+6.6pp | 12.2% | 10.0% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 29% |
| Net Income ($, YTD) |
$1.2M
-7.0% YoY — QoQ |
-$1.3M | $2.6M | $17.2M | $40.4M | 34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.