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Sunmark Community Bank

Perry, GA · Cert 16825 · Sunmark Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Sunmark Community Bank

Perry, GA · Cert 16825 · Sunmark Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$556.6MAssets
$402.9MLoans
$467.5MDeposits
$82.1MEquity
Loan mix
88%RE $333.7M11%C&I $42.0M1%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $289.6M38%Noninterest $177.9MQ2 2025Q2 2026

NIM

6.09%Q2 ’246.25%Q2 ’256.39%Q2 ’26+4%+2%

Non-interest income vs. expense

2.96%Q2 ’242.82%Q2 ’253.27%Q2 ’26-2%+20%

Market Position · Warner Robins, GA · 2026 SOD (annual) · 9.4% share · #4 of 13 inst. · $0.3B of $2.9B

7.1% Houston
25.0% Peach
43.2% Pulaski
100.0% Wheeler

Executive Summary

  • Earnings: ROA of 2.28%, down 21 bps year over year; NIM at 5.61%.
  • Asset quality: problem loans at 0.02% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.61%, up 117 bps from a year ago.
  • Funding: loans stand at 86.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.28%-21 bps YoY

Net Interest Margin (YTD, annualized)

5.61%+11 bps YoY

Efficiency Ratio (YTD, annualized)

52.67%+538 bps YoY

Tier 1 Leverage Ratio

14.61%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.49%2.52%2.55%2.03%2.28%-21 bps
Return on Equity19.61%19.36%19.91%14.93%16.24%-337 bps
Net Interest Margin5.51%5.74%5.69%5.46%5.61%+11 bps
Efficiency Ratio47.29%48.52%48.01%58.93%52.67%+538 bps
Non-Interest Burden2.36%2.55%2.48%3.11%2.83%+47 bps
Growth
Asset Growth (YoY)3.04%0.00%2.08%41.31%42.92%+3,988 bps
Loan Growth (YoY)1.67%3.10%7.47%40.26%39.97%+3,830 bps
Deposit Growth (YoY)1.74%-1.86%2.53%38.57%40.41%+3,866 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.04%0.06%0.10%0.02%0 bps
Net Charge-Offs / Loans0.05%0.03%0.03%-0.01%0.00%-5 bps
Allowance / Loans2.22%2.24%2.23%1.71%1.66%-56 bps
Allowance Coverage of NPLs106.5x53.3x34.6x17.1x79.4x-27.1x
Capital
Tier 1 Leverage Ratio13.44%13.96%12.49%14.12%14.61%+117 bps
Total Risk-Based Capital13.44%13.96%12.49%14.12%14.61%+117 bps
Equity / Assets13.05%14.01%11.94%14.80%14.76%+171 bps
Liquidity & Funding
Loans / Deposits86.45%90.23%83.00%84.45%86.18%-27 bps
Liquid Assets / Assets15.06%11.90%16.88%17.55%18.17%+311 bps
CRE / Total Capitaln/a307%341%292%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Sunmark Community Bank

Perry, GA · Cert 16825 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Sunmark Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$556.6MAssets
$402.9MLoans
$467.5MDeposits
$82.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets operating in a single state (rank 12 of 752).
  • Widest gap: total risk-based capital ratio trails 48% of banks under $1B in assets operating in a single state (rank 362 of 752).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.04%

Rank 39 of 752

Net Interest Margin

5.61%

Rank 12 of 752

Efficiency Ratio

54.36%

Rank 171 of 752

Equity / Assets

14.76%

Rank 114 of 752

Non-interest income vs. expense

$2.4M$17.9MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state
Bank 54.36%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.04%0.72%1.07%1.45%Beats 95%39 / 752
Return on Equity13.81%6.78%10.58%13.65%Beats 76%179 / 752
Net Interest Margin5.61%3.18%3.69%4.17%Beats 98%12 / 752
Efficiency Ratio54.36%55.75%64.49%75.47%Beats 77%171 / 752
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.03%Beats 82%137 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%306 / 748
Capital
Tier 1 Capital Ratio14.61%11.55%13.75%17.60%Beats 58%318 / 752
Total Risk-Based Capital Ratio14.61%11.70%14.33%18.47%Beats 52%362 / 752
Equity / Assets14.76%8.93%10.56%13.13%Beats 85%114 / 752
Liquidity & Funding
Loans / Deposits86.18%62.23%78.64%91.26%66th pctl259 / 752
Loans / Assets72.38%54.61%67.41%76.47%63rd pctl280 / 752
Brokered Deposits / Depositsn/aNot reported for this institution