BlastPoint's Banking Scorecard
Sweet Water State Bank
Sweet Water, AL
5 branches across AL
Sweet Water State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 13.6% in tier
- + ROA 0.65% above tier average
- + Efficiency Ratio 0.78% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 41.3% in tier
- - Delinquency Rate 0.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.9M
+9.3% YoY
+0.5% QoQ
|
-$231.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$78.2M
+7.6% YoY
+4.5% QoQ
|
-$177.5M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.4% in tier |
| Total Deposits ? |
$140.3M
+9.8% YoY
+1.6% QoQ
|
-$187.6M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.92%
-9.0% YoY
+19.2% QoQ
|
+0.65% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Top 14.6% in tier |
| Net Interest Margin ? |
5.40%
-4.2% YoY
-4.6% QoQ
|
+1.47% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 3.6% in tier |
| Efficiency Ratio ? |
64.51%
+12.0% YoY
+3.0% QoQ
|
-0.78% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
1.41%
+339.6% YoY
+354.8% QoQ
|
+0.53% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
55.75%
-2.0% YoY
+2.8% QoQ
|
-20.89% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.09%
+14.4% YoY
+18.0% QoQ
|
+15.07% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Top 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.81%
+321.4% YoY
+226.5% QoQ
|
+0.17% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
9.48%
-4.5% YoY
-3.8% QoQ
|
-6.35% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.2% in tier |
| Non-Interest Income / Assets ? |
0.15%
+53.4% YoY
-67.0% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.