BlastPoint's Banking Scorecard
Sunmark Community Bank
Micro
Specialty: Commercial
GA
FDIC cert 16825
Designations: ✓ Community bank
Perry, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Sunmark Community Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.03% above tier
- + Net Interest Margin 2.18% above tier
- + Efficiency Ratio 19.72% below tier
- + Non-Interest-Bearing Deposit Share 20.77% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$398.6M
+2.1% YoY
+6.2% QoQ
|
+$181.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$280.0M
+7.7% YoY
+0.3% QoQ
|
+$140.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$345.0M
+2.5% YoY
+9.0% QoQ
|
+$161.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
3.11%
+13.5% YoY
-0.0% QoQ
|
+2.03% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.04%
+8.4% YoY
-0.5% QoQ
|
+2.18% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
48.01%
-2.8% YoY
-1.1% QoQ
|
-19.72% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.07%
+611.9% YoY
+52.9% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
81.15%
+5.0% YoY
-8.0% QoQ
|
+6.63% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
43.17%
+4.6% YoY
-3.8% QoQ
|
+20.77% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+651.0% YoY
+44.4% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
-11.6% YoY
+29.6% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.11%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.04%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.01%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.17%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.11% · Tier avg: 1.08%
98
98th pctile
Net Interest Margin
Current: 6.04% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.17% · Tier avg: 22.39%
92
92th pctile
Efficiency Ratio
Current: 48.01% · Tier avg: 67.73%
89
89th pctile
Total Loans
Current: $280.0M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $345.0M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $398.6M · Tier avg: $217.5M
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.15% · Tier avg: 74.53%
Top Weaknesses
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.15% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
74
74th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
88
88th pctile
Total Assets
Current: $398.6M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $345.0M · Tier avg: $183.7M
89
89th pctile
Total Loans
Current: $280.0M · Tier avg: $139.2M
92
92th pctile
Efficiency Ratio
Current: 48.01% · Tier avg: 67.73%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.17% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 6.04% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.11% · Tier avg: 1.08%