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Sunmark Community Bank

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

Perry, GA

10 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +40.4% year over year ($467.5M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 2.77%.
  • Efficiency ratio 52.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Sunmark Community Bank has 4 strengths but faces 1 concern

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 10.4% in tier
  • + Credit Quality Leader: Top 19.4% in tier
  • + Return on Assets 1.45% above tier average
  • + Efficiency Ratio 11.81% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 11.6% in tier
Get updates when Sunmark Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $556.6M
+42.9% YoY +3.2% QoQ
+$170.0M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $396.2M
+40.8% YoY +5.4% QoQ
+$137.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $467.5M
+40.4% YoY +3.2% QoQ
+$140.7M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 2.77%
-9.8% YoY +13.4% QoQ
+1.45% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 3.0% in tier
Net Interest Margin ? 6.47%
+11.0% YoY -3.6% QoQ
+2.49% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 0.9% in tier
Efficiency Ratio ? 52.67%
+11.4% YoY -10.6% QoQ
-11.81% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.02%
-0.6% YoY -79.1% QoQ
-0.90% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 84.75%
+0.3% YoY +2.1% QoQ
+6.80% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 38.06%
-14.1% YoY -6.5% QoQ
+16.03% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 6.1% in tier
Nonperforming Asset Ratio ? 0.03%
+112.2% YoY -53.7% QoQ
-0.64% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 14.61%
+8.7% YoY +3.5% QoQ
-1.29% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.21%
-6.5% YoY +91.0% QoQ
-0.35% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 38.1%
-6.3pp YoY
-2.6pp QoQ
 +15.9pp 22.1% 26.2% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 10.8%
-3.3pp YoY
-0.4pp QoQ
 -0.8pp 11.6% 9.7% 12.5% 57%
CRE 59.7%
+1.0pp YoY
-0.2pp QoQ
 +20.2pp 39.5% 48.9% 41.4% 84%
1-4 Family 26.5%
-0.3pp YoY
+0.7pp QoQ
 -6.1pp 32.6% 31.7% 31.3% 43%
Consumer 1.2%
+0.4pp YoY
-0.1pp QoQ
 -3.0pp 4.1% 4.8% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 14.6%
+1.2pp YoY
+0.5pp QoQ
 +2.4pp 12.2% 14.0% 12.6% 85%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 89
+26 (+41.3%) YoY
+3 (+3.5%) QoQ
 +30 58 98 482 82%
Assets per Employee ($) $6.3M
+1.2% YoY
-0.3% QoQ
 -$1.3M $7.5M $7.5M $8.8M 38%
Branch Count 10
+4 (+66.7%) YoY
0 QoQ
 +5 4 6 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 6%
Allowance Coverage 79.38x
-25.4% YoY
+363.1% QoQ
 +55.23x 24.15x 38.10x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 19.8%
-4.4pp YoY
+1.8pp QoQ
 +7.6pp 12.2% 13.6% 11.6% 88%
Cost of Funds (YTD) 0.9%
+0.2pp YoY
-0.1pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 9%
Net Income ($, YTD) $6.9M
+16.0% YoY
— QoQ
 +$4.4M $2.6M $6.6M $40.4M 95%

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 (2)

Deposit Franchise

growth
#30 of 278 • Top 10.4% 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: 38.06%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.47%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Credit Quality Leader

growth
#129 of 659 • Top 19.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (1)

Cost Spiral

risk
#17 of 138 • Bottom 11.6% 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: 52.67%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (9 metrics)

26
Net Interest Margin
profitability
Value: 6.47%
Peer Median: 3.99%
#26 of 2643 Top 0.9% in $100M-$1B
79
Return on Assets
profitability
Value: 2.77%
Peer Median: 1.32%
#79 of 2643 Top 3.0% in $100M-$1B
163
Non-Interest-Bearing Deposit Share
funding
Value: 38.06%
Peer Median: 22.03%
#163 of 2643 Top 6.1% in $100M-$1B
427
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#427 of 2633 Top 16.2% in $100M-$1B
490
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#490 of 2643 Top 18.5% in $100M-$1B
553
Total Loans
size
Value: $396.20M
Peer Median: $258.35M
#553 of 2643 Top 20.9% in $100M-$1B
590
Efficiency Ratio
profitability
Value: 52.67%
Peer Median: 64.48%
#590 of 2643 Top 22.3% in $100M-$1B
611
Total Assets
size
Value: $556.59M
Peer Median: $386.57M
#611 of 2643 Top 23.1% in $100M-$1B
617
Total Deposits
size
Value: $467.48M
Peer Median: $326.73M
#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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