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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.22% | 2.28% | 2.28% | 2.49% | 2.52% | 2.55% | 2.03% | 2.28% | -21 bps | |
| Return on Equity | 19.01% | 19.36% | 18.21% | 19.61% | 19.36% | 19.91% | 14.93% | 16.24% | -337 bps | |
| Net Interest Margin | 5.34% | 5.24% | 5.46% | 5.51% | 5.74% | 5.69% | 5.46% | 5.61% | +11 bps | |
| Efficiency Ratio | 50.22% | 49.40% | 50.11% | 47.29% | 48.52% | 48.01% | 58.93% | 52.67% | +538 bps | |
| Non-Interest Burden | 2.41% | 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 / Loans | 0.03% | 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 / Loans | 2.35% | 2.42% | 2.36% | 2.22% | 2.24% | 2.23% | 1.71% | 1.66% | -56 bps | |
| Allowance Coverage of NPLs | 77.7x | 269.0x | 40.5x | 106.5x | 53.3x | 34.6x | 17.1x | 79.4x | -27.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.68% | 12.73% | 13.46% | 13.44% | 13.96% | 12.49% | 14.12% | 14.61% | +117 bps | |
| Total Risk-Based Capital | 12.68% | 12.73% | 13.46% | 13.44% | 13.96% | 12.49% | 14.12% | 14.61% | +117 bps | |
| Equity / Assets | 12.37% | 12.16% | 12.89% | 13.05% | 14.01% | 11.94% | 14.80% | 14.76% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.89% | 79.18% | 83.43% | 86.45% | 90.23% | 83.00% | 84.45% | 86.18% | -27 bps | |
| Liquid Assets / Assets | 14.41% | 20.19% | 17.11% | 15.06% | 11.90% | 16.88% | 17.55% | 18.17% | +311 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 341% | 292% | n/a | n/a | |