Sunmark Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q3 2026 was in Total interest expense: 20.1% higher than in Q2 2026, at $1.3M. On net interest margin, Sunmark Community Bank ranks 5th highest among the 121 banks headquartered in Georgia, at 5.67% (Q3 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Sunmark Community Bank sits 1.72 points higher, at 5.67% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.65% |
| Yield on loans | 7.66% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 5.67% |
| Yield to cost spread | 4.76% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.99% | 0.89% | 5.23% | 6.61% | 2.85% |
| Q1 2024 | 6.24% | 0.90% | 5.43% | 6.82% | 2.95% |
| Q2 2024 | 6.33% | 0.93% | 5.55% | 6.85% | 2.52% |
| Q3 2024 | 6.59% | 1.17% | 5.60% | 7.16% | 2.67% |
| Q4 2024 | 6.49% | 1.05% | 5.62% | 7.28% | 3.27% |
| Q1 2025 | 6.42% | 0.93% | 5.63% | 7.33% | 2.75% |
| Q2 2025 | 6.76% | 0.90% | 5.99% | 7.67% | 2.72% |
| Q3 2025 | 6.84% | 0.94% | 6.06% | 7.86% | 3.13% |
| Q4 2025 | 6.79% | 1.01% | 5.92% | 7.88% | 2.35% |
| Q1 2026 | 6.79% | 0.84% | 5.89% | 7.89% | 3.10% |
| Q2 2026 | 6.88% | 0.94% | 6.04% | 8.07% | 3.05% |
| Q3 2026 | 6.65% | 1.14% | 5.67% | 7.66% | 3.22% |
Sunmark Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunmark Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)