Sunmark Community Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 1.12% from 0.04% in the prior period. Sunmark Community Bank is an FDIC-insured commercial bank. As of Q3 2026, the bank held approximately $546M in total assets and $460M in deposits. The bank posts a strong 2.70% ROA and 18.80% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.72% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.12% NPL ratio. It operates 10 branches, primarily in Georgia.
As of September 30, 2026, Sunmark Community Bank reported a Tier 1 leverage ratio of 13.72%, a return on assets of 2.70%, a nonperforming-loan ratio of 1.12%, a Texas ratio of 5.60%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1005 Northside Dr, Perry, GA 31069
- County
- Houston
- Metro Area
- Warner Robins, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- —
- Established
- August 27, 1949
- Former names
- The Pulaski Banking Company (1972-1996)
- Offices
- 10 domestic
- Employees (FTE)
- 89
- Domestic deposits
- $459.6M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- -$18K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 27, 1949
- FDIC Cert
- 16825
- Fed RSSD
- 100236
- Website
- www.sunmarkbank.com →
- Parent Holding Company
- SUNMARK BANCSHARES, INC. (RSSD 1143566)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Sunmark Community Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Sunmark Community Bank, freeSunmark Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Sunmark Community Bank: ROA.
Banks merged into Sunmark Community Bank
- Wheeler County State Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.72% | 2.70% | 1.12% | 5.60% | 5.67% |
| Q2 2026 | 14.61% | 2.95% | 0.04% | 0.30% | 6.04% |
| Q1 2026 | 14.12% | 2.08% | 0.11% | 0.50% | 5.89% |
| Q4 2025 | 12.49% | 3.15% | 0.02% | 0.41% | 5.92% |
| Q3 2025 | 13.96% | 3.13% | 0.02% | 0.27% | 6.06% |
| Q2 2025 | 13.44% | 3.33% | 0.04% | 0.18% | 5.99% |
| Q1 2025 | 13.46% | 2.87% | 0.07% | 0.35% | 5.63% |
| Q4 2024 | 12.73% | 2.90% | 0.03% | 0.15% | 5.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hawkinsville Branch | Hawkinsville , GA | 31036 | $75.5M |
| Houston Lake Road Branch | Warner Robins , GA | 31088 | $74.2M |
| Sunmark Community Bank (main office) | Perry , GA | 31069 | $71.7M |
| Fort Valley Branch | Fort Valley , GA | 31030 | $68.5M |
| Wheeler County State Bank Branch | Alamo , GA | 30411 | $59.0M |
| Atlantic South Bank Dublin Branch | Dublin , GA | 31021 | $37.9M |
| Highway 96 Branch | Bonaire , GA | 31005 | $33.3M |
| Byron Branch | Byron , GA | 31008 | $23.8M |
| Atlantic South Bank A Division of Wheeler County State Bank Branch | Dublin , GA | 31021 | $12.3M |
| Swainsboro Branch | Swainsboro , GA | 30401 | $11.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Wheeler County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Sunmark Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in GA, rank 55 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Sunmark Community Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Sunmark Community Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Sunmark Community Bank
What are Sunmark Community Bank's total assets?
As of the Q3 2026 filing, Sunmark Community Bank reported total assets of $545.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sunmark Community Bank headquartered?
Sunmark Community Bank is headquartered in Perry, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sunmark Community Bank founded?
Sunmark Community Bank was established in 1949, per the FDIC institution directory.
Is Sunmark Community Bank FDIC-insured?
Yes. Sunmark Community Bank is an FDIC-insured commercial bank (FDIC Certificate #16825). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunmark Community Bank?
Sunmark Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Sunmark Community Bank operate?
Sunmark Community Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunmark Community Bank's Texas Ratio?
Sunmark Community Bank's Texas Ratio is 5.60% in its Q3 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Sunmark Community Bank previously called?
The charter now named Sunmark Community Bank has also operated as The Pulaski Banking Company (1972-1996), per FDIC structure-change records.
Go deeper on Sunmark Community Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Sunmark Community Bank, freeFree account