Perry, GA · Cert 16825 · Sunmark Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Warner Robins, GA · 2026 SOD (annual) · 9.4% share · #4 of 13 inst. · $0.3B of $2.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.72% | 2.56% | 2.66% | 2.03% | 2.41% | -32 bps | |
| Return on Equity | 20.98% | 18.92% | 20.53% | 14.93% | 16.28% | -470 bps | |
| Net Interest Margin | 5.73% | 6.09% | 5.72% | 5.46% | 5.75% | +2 bps | |
| Efficiency Ratio | 44.67% | 50.79% | 46.50% | 58.93% | 46.68% | +201 bps | |
| Non-Interest Burden | 2.31% | 2.86% | 2.38% | 3.11% | 2.54% | +23 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 / Loans | 0.02% | 0.04% | 0.06% | 0.10% | 0.02% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | -0.01% | 0.03% | -0.01% | 0.01% | -7 bps | |
| Allowance / Loans | 2.22% | 2.24% | 2.23% | 1.71% | 1.66% | -56 bps | |
| Allowance Coverage of NPLs | 106.5x | 53.3x | 34.6x | 17.1x | 79.4x | -27.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.44% | 13.96% | 12.49% | 14.12% | 14.61% | +117 bps | |
| Total Risk-Based Capital | 13.44% | 13.96% | 12.49% | 14.12% | 14.61% | +117 bps | |
| Equity / Assets | 13.05% | 14.01% | 11.94% | 14.80% | 14.76% | +171 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.45% | 90.23% | 83.00% | 84.45% | 86.18% | -27 bps | |
| Liquid Assets / Assets | 15.06% | 11.90% | 16.88% | 17.55% | 18.17% | +311 bps | |
| CRE / Total Capital | n/a | 307% | 341% | 292% | n/a | n/a | |