Sweet Water State Bank
Sweet Water, Alabama · FDIC Cert #9615
Sweet Water State Bank is an FDIC-insured bank (Certificate #9615) with $127M in total assets and $113M in total deposits as of the Q2 2024 Call Report. Headquartered in Sweet Water, Alabama, the bank maintains a Tier 1 capital ratio of 14.89% (Well-Capitalized) and a nonperforming loan ratio of 1.58%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sweet Water State Bank (FDIC cert 9615) is a community bank — $127M in total assets, $113M in deposits, serving the Sweet Water, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.89% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.16% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Sweet Water State Bank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Sweet Water State Bank
- Total Assets
- $127M
- Total Deposits
- $113M
- Tier 1 Capital Ratio
- 14.89%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.58%
- Liquidity Ratio
- 24.79%
- Return on Assets
- 2.16%
- Headquarters
- Sweet Water, Alabama
- FDIC Certificate
- #9615
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sweet Water State Bank holds a Tier 1 capital ratio of 14.89%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sweet Water State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sweet Water State Bank shows strong financial health indicators. With $127M in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Sweet Water State Bank Compares
Sweet Water State Bank’s Health Score of 85 is 19 points above the Alabama state average of 66 across 78 FDIC-insured banks. Its 14.89% Tier 1 capital ratio is 0.9 points above the US banking industry average near 14%. The 1.58% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.16% is in line with or above the national ROA benchmark of ~1.1%. Among 1257 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Sweet Water State Bank is 15 points above the portfolio average of 70.
Frequently Asked Questions
Sweet Water State Bank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.89%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Sweet Water State Bank's Tier 1 capital ratio of 14.89% and nonperforming loan ratio of 1.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Sweet Water State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9615). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Sweet Water State Bank holds $127M in total assets and $113M in total deposits. It is headquartered in Sweet Water, Alabama (FDIC Certificate #9615).
Sweet Water State Bank has a Tier 1 capital ratio of 14.89%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.58%, and the return on assets is 2.16%.
Yes. Sweet Water State Bank is FDIC-insured (Certificate #9615). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sweet Water State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.