Sunmark Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sunmark Community Bank of Perry, GA against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.70% | 1.25% | +1.45% | 98th top |
| ROAE | 18.80% | 13.24% | +5.56% | 80th top |
| Net Interest Margin | 5.67% | 3.95% | +1.72% | 97th top |
| Efficiency Ratio | 47.50% | 61.22% | -13.72% | 79th top |
| PPNR / Avg Assets | 2.96% | — | — | 95th top |
| Yield on Earning Assets | 6.65% | 5.68% | +0.97% | 90th top |
| Cost of Funds | 1.14% | 1.88% | -0.74% | 82nd top |
| Net Interest Spread | 4.76% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 0.94% | +0.18% | 21st bottom |
| NPA / Total Assets | 0.84% | — | — | 18th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 93rd top |
| ACL / Total Loans | 1.67% | — | — | 77th top |
| ACL / NPLs (Coverage) | 150.00% | — | — | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.60% | 7.40% | -1.80% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.72% | 11.73% | +1.99% | 67th above |
| Equity / Assets | 14.31% | 10.96% | +3.35% | 84th top |
| TCE / Tangible Assets | 13.76% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.91% | 80.60% | +8.31% | 18th bottom |
| Core Deposit Ratio | 90.70% | 86.92% | +3.78% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 45.46% | — | — | 100th top |
| Loan Growth (Y/Y) | 43.08% | — | — | 100th top |
| Deposit Growth (Y/Y) | 45.20% | — | — | 100th top |
See Sunmark Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sunmark Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sunmark Community Bank profile, how to read a UBPR, or how this data updates.