Sunmark Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 4.60 percentage points in Q3 2026, from 93.43% to 98.03%. It was the largest change from Q2 2026 among the key lines here. Sunmark Community Bank ranks 27th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 88.91% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sunmark Community Bank sits 8.07 points higher, at 88.91% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $110.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $122.1M |
| Fed funds sold and reverse repos | $16.4M |
| Fed funds sold and reverse repos to assets | 3.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 88.91% |
| Net loans and leases to deposits | 87.42% |
| Loans and leases to core deposits | 98.03% |
| Core deposits to total deposits | 90.70% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 80.44% | 96.67% | $0 | $0 |
| Q1 2024 | 86.40% | 96.44% | $0 | $0 |
| Q2 2024 | 86.51% | 96.11% | $0 | $0 |
| Q3 2024 | 85.89% | 95.68% | $0 | $0 |
| Q4 2024 | 79.18% | 95.83% | $0 | $0 |
| Q1 2025 | 83.43% | 95.77% | $0 | $0 |
| Q2 2025 | 86.45% | 95.60% | $0 | $0 |
| Q3 2025 | 90.23% | 95.66% | $0 | $0 |
| Q4 2025 | 83.00% | 96.21% | $0 | $0 |
| Q1 2026 | 84.45% | 94.89% | $0 | $0 |
| Q2 2026 | 86.18% | 92.24% | $0 | $0 |
| Q3 2026 | 88.91% | 90.70% | $0 | $0 |
Sunmark Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunmark Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sunmark Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16825) · FFIEC NIC profile (RSSD 100236)