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
Unfavorable gap of $15.5M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.04% | 0.72% | 1.06% | 1.45% | Beats 95% | 34 / 746 | | |
| Return on Equity | 13.81% | 6.74% | 10.51% | 13.63% | Beats 76% | 178 / 746 | | |
| Net Interest Margin | 5.61% | 3.17% | 3.68% | 4.16% | Beats 99% | 11 / 746 | | |
| Efficiency Ratio | 54.36% | 55.74% | 64.58% | 75.47% | Beats 77% | 170 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.07% | Beats 82% | 138 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 310 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.61% | 11.55% | 13.75% | 17.60% | Beats 57% | 318 / 746 | | |
| Total Risk-Based Capital Ratio | 14.61% | 11.71% | 14.33% | 18.43% | Beats 52% | 361 / 746 | | |
| Equity / Assets | 14.76% | 8.90% | 10.51% | 13.06% | Beats 86% | 107 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.18% | 61.31% | 78.27% | 90.78% | 66th pctl | 250 / 746 | | |
| Loans / Assets | 72.38% | 53.60% | 66.97% | 76.08% | 64th pctl | 269 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |