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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