Sunmark Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Sunmark Community Bank is an FDIC-insured commercial bank headquartered in Perry, GA, established in 1949 (FDIC certificate 16825), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $556.6M, up 42.9% from Q2 2025, the 33rd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16825
- Headquarters
- Perry, GA
- Established
- 1949
- Total assets, Q2 2026
- $556.6M
- Assets vs Q2 2025
- +42.9%
- Tier 1 leverage ratio, Q2 2026
- 14.61%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 061212811
- Holding company
- SUNMARK BANCSHARES, INC.
- Asset rank in state
- 33rd of 121 in Georgia
Sunmark Community Bank is one of the more profitable banks of its size. Its balance sheet stood at $557 million at June 30, 2026, up 42.9% from a year earlier; it is based in Perry, Georgia. It earns about $2.95 a year on every $100 of assets, 2.3 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 6.04 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Net income for the quarter rose 24% from a year earlier, to $4.0 million.
As of June 30, 2026, Sunmark Community Bank reported a return on assets of 2.95%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.21%. The figures come from its call report filed with the FFIEC.
Sunmark Community Bank ranks as the 33rd largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.2% to $556.6M, loans rose 5.3% and deposits rose 3.2%. 1-4 family residential loans made up 26.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.0%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in GA; its Hawkinsville office books 16% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sunmark Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1005 Northside Dr, Perry, GA 31069
- County
- Houston
- Metro Area
- Warner Robins, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 27, 1949
- Former names
- The Pulaski Banking Company (1972-1996)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $467.5M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $548.5M
- Average total loans
- $388.5M
- Average interest-bearing deposits
- $282.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 27, 1949
- FDIC Cert
- 16825
- Fed RSSD
- 100236
- Website
- www.sunmarkbank.com →
- Parent Holding Company
- SUNMARK BANCSHARES, INC. (RSSD 1143566)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Sunmark Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Sunmark Community Bank's total assets ran between $374.4M (Q1 2024) and $556.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$556.6M total assets against $389.4M; $474.4M total liabilities against $338.6M.
$396.2M net loans and leases against $281.4M; $467.5M total deposits against $332.9M.
$15.0M securities against $15.6M; $123.0M cash and balances due against $78.4M.
$8.9M total interest income against $6.3M; $1.1M total interest expense against $724K.
$7.8M net interest income against $5.6M.
$587K total noninterest income against $439K; $4.1M total noninterest expense against $2.7M.
$150K provision for credit losses against $0.
$4.0M net income against $3.2M.
2.95% return on assets against 3.33%; 6.04% net interest margin against 5.99%.
14.61% tier 1 leverage ratio against 13.44%.
Inside the full Sunmark Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSunmark Community Bank rankings
Its closest position to the top of a national ranking is 77 of 3,611, for ROA; its furthest is 3,148 of 3,640, for Texas Ratio.
Banks merged into Sunmark Community Bank
- Wheeler County State Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.08% (Q1 2026) to 3.33% (Q2 2025) and its net interest margin ran from 5.60% (Q3 2024) to 6.06% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.61% | 2.95% | 0.02% | 0.21% | 6.04% |
| Q1 2026 | 14.12% | 2.08% | 0.10% | 0.46% | 5.89% |
| Q4 2025 | 12.49% | 3.15% | 0.06% | 0.34% | 5.92% |
| Q3 2025 | 13.96% | 3.13% | 0.04% | 0.20% | 6.06% |
| Q2 2025 | 13.44% | 3.33% | 0.02% | 0.10% | 5.99% |
| Q1 2025 | 13.46% | 2.87% | 0.06% | 0.29% | 5.63% |
| Q4 2024 | 12.73% | 2.90% | 0.01% | 0.04% | 5.62% |
| Q3 2024 | 12.68% | 2.74% | 0.03% | 0.16% | 5.60% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hawkinsville Branch | Hawkinsville , GA | 31036 | $75.5M |
| Houston Lake Road Branch | Warner Robins , GA | 31088 | $74.2M |
| Sunmark Community Bank (main office) | Perry , GA | 31069 | $71.7M |
| Fort Valley Branch | Fort Valley , GA | 31030 | $68.5M |
| Wheeler County State Bank Branch | Alamo , GA | 30411 | $59.0M |
| Atlantic South Bank Dublin Branch | Dublin , GA | 31021 | $37.9M |
| Highway 96 Branch | Bonaire , GA | 31005 | $33.3M |
| Byron Branch | Byron , GA | 31008 | $23.8M |
| Atlantic South Bank A Division of Wheeler County State Bank Branch | Dublin , GA | 31021 | $12.3M |
| Swainsboro Branch | Swainsboro , GA | 30401 | $11.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Wheeler County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 55 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $300K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sunmark Community Bank
What are Sunmark Community Bank's total assets?
As of the Q2 2026 filing, Sunmark Community Bank reported total assets of $556.6 million in its FFIEC call report.
Where is Sunmark Community Bank headquartered?
It is headquartered in Perry, GA, United States.
When was Sunmark Community Bank founded?
It was established in 1949, per the FDIC institution directory.
Is Sunmark Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16825). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunmark Community Bank?
Sunmark Community Bank's primary federal regulator is the FDIC.
How many branches does Sunmark Community Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunmark Community Bank's Texas Ratio?
Its Texas Ratio is 0.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Sunmark Community Bank previously called?
The charter now named Sunmark Community Bank has also operated as The Pulaski Banking Company (1972-1996), per FDIC structure-change records.
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