Sunmark Community Bank (FDIC #16825): Bank Stress & Real-Estate Credit Exposure
Sunmark Community Bank (FDIC Cert #16825): bank stress 23/100, contained, STABLE over 7 days; parent SUNMARK BANCSHARES INC.
Sunmark Community Bank (#16825) lends in 6 counties across 1 state; Sunmark Community Bank (#16825) reaches 43 ZIP codes: Georgia 6 counties, 43 ZIPs.
Sunmark Community Bank (#16825) largest markets: Laurens County, GA (30 branches, 15 ZIPs) (#16825), Emanuel County, GA (13 branches, 13 ZIPs) (#16825), Houston County, GA (36 branches, 12 ZIPs) (#16825), Pulaski County, GA (5 branches, 5 ZIPs) (#16825), Wheeler County, GA (4 branches, 4 ZIPs) (#16825), Peach County, GA (6 branches, 3 ZIPs) (#16825).
Sunmark Community Bank (#16825) reports $556.6 million in total assets; Sunmark Community Bank (#16825) equity $82.1 million (14.8% of Sunmark Community Bank (#16825) assets); Sunmark Community Bank (#16825) domestic deposits $467.5 million; Sunmark Community Bank (#16825) net income $6.9 million; Sunmark Community Bank (#16825) return on assets 2.77%; Sunmark Community Bank (#16825) return on equity 19.78%; Sunmark Community Bank (#16825) net interest income $15.3 million; Sunmark Community Bank (#16825) call report June 30, 2026.
Sunmark Community Bank (#16825) noncurrent real-estate loans 0.01% of its book; Sunmark Community Bank (#16825) net charge-offs on real estate 0.00%.
Sunmark Community Bank (#16825) net interest margin 6.47% against an eight-quarter Sunmark Community Bank (#16825) average of 5.98% (Sunmark Community Bank (#16825) compression -0.49 points); Sunmark Community Bank (#16825) real-estate loans 1.2% of equity; Sunmark Community Bank (#16825) non-residential real estate 0.4% of equity; Sunmark Community Bank (#16825) rate-exposure score 40/100, Sunmark Community Bank (#16825) fixed-rate trap 40/100; Sunmark Community Bank (#16825) risk type rate trapped; Sunmark Community Bank (#16825) rate regime rates elevated, Sunmark Community Bank (#16825) snapshot October 19, 2026.
Sunmark Community Bank (#16825) stress score moved from 23.6 on June 22, 2026 to 22.5 on October 19, 2026; Sunmark Community Bank (#16825) ranged 22.5 to 23.6 over 116 snapshots.
Sunmark Community Bank (#16825) alerts: 6 counties; top Sunmark Community Bank (#16825) alert scores: Alamo County, GA 12 (low); Dublin County, GA 12 (low); Fort Valley County, GA 12 (low); Hawkinsville County, GA 12 (low); Swainsboro County, GA 12 (low).