Sunmark Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 18.24 percentage points higher than in Q2 2026, at 194.65%. Within Georgia, Sunmark Community Bank is 27th of 122 on loan-to-deposit ratio, 88.91% as of Q3 2026, above the middle of the field. Sunmark Community Bank reported 88.91% on loan-to-deposit ratio for Q3 2026, 8.07 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $408.6M |
| Net loans and leases | $401.8M |
| Loans held for sale | $0 |
| Loans to total assets | 74.86% |
| Loan-to-deposit ratio | 88.91% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.47% |
| Multifamily (5+ residential) | 5.68% |
| Commercial and industrial | 10.37% |
| Consumer | 1.14% |
| Credit cards | 0.07% |
| Farm | 2.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.65% |
| Construction concentration (Tier 1 capital + allowance) | 94.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $282.4M | $351.0M | 32.19% | 12.87% | 1.00% |
| Q1 2024 | $280.9M | $325.1M | 30.59% | 13.44% | 0.91% |
| Q2 2024 | $283.1M | $327.2M | 29.52% | 12.83% | 0.90% |
| Q3 2024 | $277.0M | $322.5M | 31.17% | 12.83% | 0.86% |
| Q4 2024 | $266.5M | $336.5M | 33.37% | 12.26% | 0.86% |
| Q1 2025 | $272.7M | $326.9M | 32.06% | 13.32% | 0.83% |
| Q2 2025 | $287.8M | $332.9M | 32.76% | 13.79% | 0.72% |
| Q3 2025 | $285.6M | $316.5M | 34.37% | 12.35% | 0.66% |
| Q4 2025 | $286.4M | $345.0M | 36.46% | 12.80% | 0.64% |
| Q1 2026 | $382.6M | $453.0M | 37.41% | 10.99% | 1.27% |
| Q2 2026 | $402.9M | $467.5M | 35.72% | 10.62% | 1.13% |
| Q3 2026 | $408.6M | $459.6M | 34.47% | 10.37% | 1.14% |
Sunmark Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunmark Community Bank, freeSource: Call Report Schedule RC-C, 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)