Wheeler County State Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #16228 · Alamo, GA. This institution (Wheeler County State Bank) no longer appears in the current FDIC branch and deposit filings (#16228) that DLRadar scores; FDIC records the last Wheeler County State Bank day as a separately insured institution (#16228) as January 1, 2026. FDIC event for Wheeler County State Bank: Participated in Absorbtion/Consolidation/Merger (2026-01-01). DLRadar last scored Wheeler County State Bank (#16228) on September 20, 2026. The Wheeler County State Bank facts below are its last recorded footprint (#16228), kept as a permanent Wheeler County State Bank public record; the Wheeler County State Bank figures are not refreshed.
Wheeler County State Bank (#16228) carried no scored branch footprint (Wheeler County State Bank) in the FDIC filings DLRadar reads; the Wheeler County State Bank record exists because FDIC certificate 16228 was a separately insured Wheeler County State Bank institution in Alamo, GA, last seen by DLRadar (#16228) on September 20, 2026.
What the Wheeler County State Bank (#16228) record holds: FDIC certificate 16228 for Wheeler County State Bank, closed as a separate Wheeler County State Bank charter on January 1, 2026; successor Sunmark Community Bank (FDIC #16825) carries the Wheeler County State Bank footprint forward; FDIC event for Wheeler County State Bank: Participated in Absorbtion/Consolidation/Merger (2026-01-01); Wheeler County State Bank (#16228) first entered DLRadar on September 20, 2026.
How Wheeler County State Bank (#16228) was scored while active: the Wheeler County State Bank stress score read FDIC call-report financials (#16228) and the Summary of Deposits branch file for Wheeler County State Bank, mapped Wheeler County State Bank branches to counties and ZIP codes (#16228), and weighted the Wheeler County State Bank real-estate loan concentration against its peers; the Wheeler County State Bank (#16228) figures on this page are the last such Wheeler County State Bank run and are not refreshed.
Wheeler County State Bank (#16228) net interest margin 4.96% against an eight-quarter Wheeler County State Bank (#16228) average of 4.95% (Wheeler County State Bank (#16228) compression -0.02 points); Wheeler County State Bank (#16228) non-residential real estate 10.7% of equity; Wheeler County State Bank (#16228) rate-exposure score 40/100, Wheeler County State Bank (#16228) fixed-rate trap 40/100; Wheeler County State Bank (#16228) risk type credit driven; Wheeler County State Bank (#16228) rate regime rates elevated, Wheeler County State Bank (#16228) snapshot May 27, 2026.
Wheeler County State Bank (#16228) is chartered in Alamo, GA; FDIC lists Wheeler County State Bank (#16228) as inactive, succeeded by Sunmark Community Bank.
Why this Wheeler County State Bank page exists: bank identities are historical data (#16228). When an institution such as Wheeler County State Bank merges or its charter ends, DLRadar keeps the Wheeler County State Bank profile so citations, links and the Wheeler County State Bank score history stay resolvable (#16228), and points Wheeler County State Bank to the successor where the FDIC records one. Every Wheeler County State Bank figure traces to public FDIC data (#16228).