BlastPoint's Banking Scorecard

Sunmark Community Bank

$100M-$1B Specialty: Commercial GA FDIC cert 16825

Perry, GA

10 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Sunmark Community Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 1.1% in tier
+ Return on Assets 1.18% above tier average
+ Efficiency Ratio 6.36% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.2% in tier
- Cost Spiral: Bottom 45.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$539.3M +41.3% YoY +35.3% QoQ	+$153.2M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$376.0M +41.2% YoY +34.3% QoQ	+$120.3M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$453.0M +38.6% YoY +31.3% QoQ	+$125.0M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	2.45% -12.8% YoY -21.4% QoQ	+1.18%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 5.3% in tier
Net Interest Margin ?	6.71% +19.4% YoY +11.2% QoQ	+2.78%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 0.6% in tier
Efficiency Ratio ?	58.93% +17.6% YoY +22.7% QoQ	-6.36%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.10% +69.7% YoY +54.2% QoQ	-0.79%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	83.01% +1.9% YoY +2.3% QoQ	+6.37%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	40.70% -5.6% YoY -5.7% QoQ	+18.68%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 4.1% in tier
Nonperforming Asset Ratio ?	0.07% +69.6% YoY +53.0% QoQ	-0.57%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	14.12% +4.9% YoY +13.0% QoQ	-1.71%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.11% -5.4% YoY -75.8% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#4 of 272 • Top 1.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 40.70%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.71%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#134 of 1308 • Bottom 10.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Cost Spiral

risk

#58 of 126 • Bottom 45.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 58.93%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 6.71%

Peer Median: 3.93%

#18 of 2664 Top 0.6% in $100M-$1B

111

Non-Interest-Bearing Deposit Share

funding

Value: 40.70%

Peer Median: 22.02%

#111 of 2664 Top 4.1% in $100M-$1B

142

Return on Assets

profitability

Value: 2.45%

Peer Median: 1.27%

#142 of 2664 Top 5.3% in $100M-$1B

611

Total Loans

size

Value: $376.02M

Peer Median: $255.72M

#611 of 2664 Top 22.9% in $100M-$1B

652

Total Assets

size

Value: $539.26M

Peer Median: $386.08M

#652 of 2664 Top 24.4% in $100M-$1B

659

Total Deposits

size

Value: $453.00M

Peer Median: $327.97M

#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available