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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=743 to 746). 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

64

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 2026-10-11

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 $4.9MQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $289.6M38%Noninterest $177.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.22%2.28%2.28%2.49%2.52%2.55%2.03%2.28%-21 bps
Return on Equity19.01%19.36%18.21%19.61%19.36%19.91%14.93%16.24%-337 bps
Net Interest Margin5.34%5.24%5.46%5.51%5.74%5.69%5.46%5.61%+11 bps
Efficiency Ratio50.22%49.40%50.11%47.29%48.52%48.01%58.93%52.67%+538 bps
Non-Interest Burden2.41%2.32%2.50%2.36%2.55%2.48%3.11%2.83%+47 bps
Growth
Asset Growth (YoY)-4.17%-2.13%1.94%3.04%0.00%2.08%41.31%42.92%+3,988 bps
Loan Growth (YoY)-2.86%-5.62%-2.91%1.67%3.10%7.47%40.26%39.97%+3,830 bps
Deposit Growth (YoY)-6.73%-4.12%0.54%1.74%-1.86%2.53%38.57%40.41%+3,866 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.06%0.02%0.04%0.06%0.10%0.02%0 bps
Net Charge-Offs / Loans-0.02%0.01%0.02%0.05%0.03%0.03%-0.01%0.00%-5 bps
Allowance / Loans2.35%2.42%2.36%2.22%2.24%2.23%1.71%1.66%-56 bps
Allowance Coverage of NPLs77.7x269.0x40.5x106.5x53.3x34.6x17.1x79.4x-27.1x
Capital
Tier 1 Leverage Ratio12.68%12.73%13.46%13.44%13.96%12.49%14.12%14.61%+117 bps
Total Risk-Based Capital12.68%12.73%13.46%13.44%13.96%12.49%14.12%14.61%+117 bps
Equity / Assets12.37%12.16%12.89%13.05%14.01%11.94%14.80%14.76%+171 bps
Liquidity & Funding
Loans / Deposits85.89%79.18%83.43%86.45%90.23%83.00%84.45%86.18%-27 bps
Liquid Assets / Assets14.41%20.19%17.11%15.06%11.90%16.88%17.55%18.17%+311 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Sunmark Community Bank

Perry, GA · Cert 16825 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 99% of banks under $1B in assets operating in a single state (rank 11 of 746).
  • Widest gap: total risk-based capital ratio trails 48% of banks under $1B in assets operating in a single state (rank 361 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.04%

Rank 34 of 746

Net Interest Margin

5.61%

Rank 11 of 746

Efficiency Ratio

54.36%

Rank 170 of 746

Equity / Assets

14.76%

Rank 107 of 746

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 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.04%0.72%1.06%1.45%Beats 95%34 / 746
Return on Equity13.81%6.74%10.51%13.63%Beats 76%178 / 746
Net Interest Margin5.61%3.17%3.68%4.16%Beats 99%11 / 746
Efficiency Ratio54.36%55.74%64.58%75.47%Beats 77%170 / 746
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.07%Beats 82%138 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%310 / 743
Capital
Tier 1 Capital Ratio14.61%11.55%13.75%17.60%Beats 57%318 / 746
Total Risk-Based Capital Ratio14.61%11.71%14.33%18.43%Beats 52%361 / 746
Equity / Assets14.76%8.90%10.51%13.06%Beats 86%107 / 746
Liquidity & Funding
Loans / Deposits86.18%61.31%78.27%90.78%66th pctl250 / 746
Loans / Assets72.38%53.60%66.97%76.08%64th pctl269 / 746
Brokered Deposits / Depositsn/aNot reported for this institution