Sweet Water State Bank
Sweet Water, AL
IDRSSD: 253730
Total Assets
$149.29M
Latest filing
Total Deposits
$133.32M
Latest filing
Net Interest Margin
5.71%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Sweet Water State Bank
31385 Alabama Highway 10
Sweet Water, AL 36782
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1913FDIC Certificate 6143
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Sweet Water State Bank (Main) | 31385 Alabama Highway 10 | Sweet Water, AL |
| LINDEN BRANCH | 206 S Main St | Linden, AL |
| THOMASVILLE BRANCH | 33821 Highway 43 | Thomasville, AL |
| DEMOPOLIS BRANCH | 1202 Osgood Loop | Demopolis, AL |
| CAMDEN BRANCH | 20 Highway 41 North | Camden, AL |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Valley State Bank
Russellville, Alabama
→
Assets: $149.23MΔ +4.5%
Bank of Moundville
Moundville, Alabama
→
Assets: $135.47MΔ -5.1%
First State Bank of the South, Inc.
Sulligent, Alabama
→
Assets: $131.30MΔ -8.0%
Citizens' Bank, Inc.
Robertsdale, Alabama
→
Assets: $156.26MΔ +9.4%
First Fidelity Bank
Fort Payne, Alabama
→
Assets: $157.45MΔ +10.3%
The Citizens Bank
Greensboro, Alabama
→
Assets: $127.03MΔ -11.0%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36782 |
| State and County Number | 01091 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.sweetwaterstbk.com |
| Data Updated | 11/14/2025 |
| CERT | 9615 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $149.29M |
| Total Deposits | $133.32M |
| Total Liabilities | $135.98M |
| Total Equity Capital | $13.31M |
| Net Income | $826.00k |
| Net Loans and Leases | $74.96M |
| Assets Per Employee ($Millions) | $4.39M |
| Bank Premises and Fixed Assets | $5.93M |
| Cash and Balances due from Depository Institutions | $7.68M |
| Deposits Held in Domestic Offices | $133.32M |
Key Performance Ratios
| Return on Assets (ROA) | 2.26% |
| Return on Equity (ROE) | 25.94% |
| Net Interest Margin | 5.71% |
| Efficiency Ratio | 60.04% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.917% |
| Earning Assets to total Assets | 87.98% |
Income and Expense
| Total Interest Income | $2.40M |
| Total Noninterest Income | $217.00k |
| Total Interest Expense | $547.00k |
| Total Noninterest Expense | $1.24M |
| Net Interest Income | $1.85M |
| Pre-tax Net Operating Income | $826.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $39.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $22.71M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.66M |
| Total Liabilities and Capital | $149.29M |
Securities
| Securities | $32.29M |
| Available-for-sale debt securities | $30.97M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sweet Water State Bank?
$149.29M as of the latest filing.
How much are Sweet Water State Bank's total deposits?
$133.32M in total deposits.
Where is Sweet Water State Bank located?
Sweet Water, AL.
What is the Net Interest Margin?
5.71%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
2.26%.
How much are total loans and leases?
$74.96M (latest filing).
What is the total interest income (latest filing)?
$2.40M.