2.45%
−12.8%y/y
Peer standing94th percentile
FDIC
NETINC + ROASC
Sunmark Community Bank
Perry, GeorgiaFDIC Cert #16825
STATEEstablished 194910 branches
Holding company: SUNMARK BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
18.00%
−19.6%y/y
Peer standing80th percentile
FDIC
NETINC + ROE2.58%
−11.0%y/y
Peer standing93rd percentile
FDIC
PTAXNETINC + ASSET6.71%
+19.4%y/y
Peer standing99th percentile
FDIC
NIM + NIMY7.74%
+20.8%y/y
Peer standing98th percentile
FDIC
INTINCY1.70%
+9.6%y/y
Peer standing86th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
58.93%
+17.6%y/y
Peer standing57th percentile
FDIC
NONIX + NIM + NONII + EEFFR4.17%
+43.4%y/y
Peer standing4th percentile
FDIC
NONIX + ASSET7.49%
−7.2%y/y
Percentile by value27th percentileby value
FDIC
NONII + NIM+41.31%
+2,027.6%y/y
Percentile by value99th percentileby value
FDIC
ASSET+38.57%
+7,054.4%y/y
Percentile by value99th percentileby value
FDIC
DEP+41.20%
+1,467.9%y/y
Percentile by value98th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.45%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE18.00%61st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY6.71%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.93%57th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP+38.57%98th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET+41.20%98th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ14.12%88th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.70%86th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.45%91st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.37%Median 1.53%90th 2.37%Observations 121
ROE
FDIC
NETINC + ROE18.00%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.45%Median 14.42%90th 21.57%Observations 121
NIM
FDIC
NIM + NIMY6.71%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.42%Median 4.41%90th 5.42%Observations 121
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR58.93%52nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.68%Median 58.97%90th 83.94%Observations 121
Deposits YoY
FDIC
DEP+38.57%97th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.02%Median +5.41%90th +20.00%Observations 121
Loans YoY
FDIC
LNLSNET+41.20%95th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.40%Median +8.97%90th +25.08%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.43%90th 2.10%Observations 120
Leverage
FDIC
RBC1AAJ14.12%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.20%Median 11.04%90th 15.61%Observations 121
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.70%82nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.30%90th 3.10%Observations 121
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 174%90th 269%Observations 80
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.