Sunmark Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 14.61% +5.61 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $79.6M | 79,627 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $544.9M | 544,871 | RCOAA224 |
| Recomputed ratio | 14.61% | numerator / denominator | |
| Filed ratio | 14.61% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +5.61 pp | $30.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 6,027 | 6,027 | 6,027 | 6,027 | 6,027 | 6,027 | RCOAP742 |
| Retained earnings | 77,224 | 74,948 | 42,708 | 47,828 | 46,415 | 44,731 | RCOAKW00 |
| Accumulated other comprehensive income | (1,102) | (1,148) | (1,135) | (1,274) | (1,623) | (1,557) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 82,149 | 79,827 | 47,600 | 52,581 | 50,819 | 49,201 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,522) | (2,615) | 1,135 | 1,274 | 1,623 | 1,557 | P859 - P840 |
| Common equity Tier 1 capital | 79,627 | 77,212 | 48,735 | 53,855 | 52,442 | 50,758 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 79,627 | 77,212 | 48,735 | 53,855 | 52,442 | 50,758 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 544,871 | 547,008 | 390,291 | 385,811 | 390,112 | 377,115 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 14.61% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 14.12% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 12.49% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.96% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.44% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.46% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.73% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.68% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.50% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.94% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.19% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.01% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Sunmark Community Bank (this bank) | CBLR | NA | NA | NA | 14.61% | |
| Mountain Valley Bank | $556.5M | CBLR | NA | NA | NA | 10.51% |
| Community Resource Bank | $556.4M | Risk-based | 13.97% | 13.97% | 15.22% | 10.52% |
| Chickasaw Community Bank | $557.1M | Risk-based | 19.98% | 19.98% | 21.24% | 11.03% |
| Texas Traditions Bank | $555.9M | CBLR | NA | NA | NA | 9.39% |
| Security Savings Bank | $557.4M | Risk-based | 10.27% | 10.27% | 11.15% | 9.38% |
| Northwestern Mutual Wealth Management Company | $557.7M | CBLR | NA | NA | NA | 54.95% |
| Central State Bank | $557.8M | CBLR | NA | NA | NA | 10.43% |
| First State Bank | $558.1M | CBLR | NA | NA | NA | 9.80% |
| First Pryority Bank | $558.1M | CBLR | NA | NA | NA | 10.55% |
| Nave Bank | $555.0M | Risk-based | 24.87% | 24.87% | 25.83% | 13.84% |
| Peer 25th percentile | 13.05% | 13.05% | 14.20% | 9.96% | ||
| Peer median | 16.98% | 16.98% | 18.23% | 10.51% | ||
| Peer 75th percentile | 21.21% | 21.21% | 22.38% | 10.91% | ||
| This bank's percentile | NA | NA | NA | 90 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/100236/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.