# SUNMARK COMMUNITY BANK
PERRY, GA · FDIC certificate 16825 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $556.6M | |
| Deposits | $467.5M | |
| Loans and leases | $402.9M | |
| Total equity | $82.1M | |
| Loans / deposits | 84.75% (p58 of band) | 82.04% |
| Liquid assets / assets | 24.78% (p50 of band) | |
| Uninsured deposits / deposits | 31.59% (p71 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.61% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -1.34% (p83 of band) | -8.10% |
| AOCI / equity | 0.04% (p82 of band) | |
| ROA (annualized) | 2.77% (p97 of band) | 1.28% |
| Net interest margin | 6.47% (p99 of band) | 3.91% |
| Efficiency ratio | 52.67% (p24 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 7938.10% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 83.79% (p80 of band) | |
| Auto loans | $959,000 (0.24% of loans; DQ 1.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 40.4% | |
| Employees | 89 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 1 |  | construction >100% equity, losing money |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | construction >100% equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | construction >100% equity |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 3 | construction >100% equity |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | construction >100% equity |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | construction >100% equity |
| 2020-09 | 2 | construction >100% equity |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | capital falling | construction >100% equity |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | uninsured deposits leaving |
| 2024-09 | 3 | uninsured deposits leaving | assets shrinking |
| 2024-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-20 [Former Georgia bank officer pleads guilty to loan scheme - Albany Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxOYTBrcU1VTklGMzh4MzZ1aWQ4Tmxsb3h5aUZET1M3d0NKZ3B3X3dDQ3FlRjVVYjhsZlRJSnlYd3ZuaXN3TEFjYy1vZ1Z0QktkOEdPYU9QTUpRSDJEOWpkRE53d3pDbmxGalpsd3Bjd2pwVVBiczdaV1V3RTVrV3l4Y0ZPRUZHU01Say10QVJ1cjY?oc=5) · Albany Herald
- 2026-06-22 [Georgia Bankers Association selects new chair, board members - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVk1hNnhRZXlRNlpNLVFxSm1VVERacGhHRGE2TGFtLUdBZWgtOEhBNXQxNWlHMG5ka0FTRGdkbkVmUnllY1pHeHlzVU12S19ZV29UakJ6MHJQMGM4MmRoS24zMDgzaXpXMVlIZTZmeWZpampQcjFlY0tfLW1aWEJtZllJMkNMV2ZoT0V3RWQ0SFlnU1pacUZYVHpn?oc=5) · The Business Journals
- 2024-02-12 [Souper Bowl of Caring: Thousands of Middle Georgian's need help with their next meal - WGXA](https://news.google.com/rss/articles/CBMirgFBVV95cUxPc0pSMVpnWU9SYVpJeHloUENCbUFEU1pRRlg4UGx2WTdJU1l5SnRFS21CV21MZmtnUWY5VVdLMUQ2QjRncElOM2MycG11Y056SnNITERmbEZRZC1MV1ZDbC1NYzloaFRrRi00UzBqRW54dUJ4R2RMNDF3SHpWcmRUbzJRNF9WNFgzZHVYcndIMVZ6UXNkX1pFd0lQQmVWTVlkTHhmSjgzLUdQUkZPZmc?oc=5) · WGXA
- 2018-06-28 [What’s open, what’s not for Columbus Day - Macon Telegraph](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBOQnBuSjR5d2EzSDBvejZTLThHcXREQ05kWHpIY0V3NDZTT1JHQTRlWGp5MWtGckdpSGZEZTZaTUNSbnhjSE9FVHk1ME41U2ZGU19JaG5UUEprWldFNE5yOExOdlE2amvSAWdBVV95cUxNZ1MtRFlpTzdobDNMOGJ2ZmpvYUl6eHczNHFDZmVyaHJsMWJnNVZRX3VKUzYtYWsyZkRCWldrNUZZZnJTLXF5R3I2OFRVdmZhaFFSVDZSbXBWRlNucHVSOFBkN3N1MTE0?oc=5) · Macon Telegraph
- 2024-01-13 [Juanita Howell Cleghorn Obituary May 7, 2023 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE1RdF9hbDZBNzdEazVETWFSXzRIbEpBbjRvMTZBUXRvYXg2ODhaNF8xNjFXVll1RVlzZjlrd0tINHR1YU16dW1lX3lYNUMybEprN2IyVnZ2Vzh0U0pKVnZ6TFN6XzNfOEt2RGlOVkNrZzY?oc=5) · McCullough Funeral Home
- 2023-04-02 [Thomas Arnold Obituary (1949 - 2023) - Hawkinsville, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxObWUtWk4xb1VhR290YjRLdGJuWVh6TmpaVTFQQk82SkVtVXFjaGJpRVc2WFBRdnhiQ0Q0eXRhNjN0OGZxQnJ6TFIyZ0dIU1l2SElhRklTZ3d5d0pTQWpYSnl4Q21mczk3ejUtMlo3eE5QRHRlNE5mVDlVbTdiRU10MVpQV2pxX0pyS3c?oc=5) · legacy.com
- 2016-07-06 [Charles Johnson Emphasizes Education at His Sports Academy & Community Weekend - Bulldawg Illustrated](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPdVI4R2xSRXZGNlhHWlM0NDM1dUpMZTNueTVMMmtsLXA0TlJjOV9qSms3QzBoQWlYLXZXSW53Nm9abG1qVy1rMjZhYXFneTQ5NTFVNzN3bXR1T3FZcklzbTBmbXgydF95Q21xZ1ZVYVd4SkZmdTdlM1ZZamhodklwM2NFOUxRdlc5ckpUTi1OYkZzVGNwTzJOUFA4VDhPb2xPR3dyTV9KcmxFNUk?oc=5) · Bulldawg Illustrated
- 2011-10-07 [What’s closed, what’s open for Columbus Day - Macon Telegraph](https://news.google.com/rss/articles/CBMigwFBVV95cUxQejMzZ3MtaC1qcmJJYW5lS09WMmppX1FCdWpJZHlrVXZydlNTbU5GMzFGaGg0RGpLQ0RfenFSY3k1R2dBTjVSZ2lUMVhGYThoMkFWSkZseDljaENDOERfaW1QaHloNWdfbHpNcVAyeFVaQzEyMTQ1djF6cDd5QW02ODdnONIBgwFBVV95cUxQSThMNmRvSE9rR1lJV1NuVDQ3NmozakpRLW9XcFhudUduN0wtWEFlTlBVM3hLWjVmWVprRFJCb0xESm9QSllHTkNiZnF1NXZVMTFxN1oxd2xVOEt4dVFqdl9LU1Nld0tNTnFhczY1RldWV0VkM2JqZjZycGMzZTVMU0JZcw?oc=5) · Macon Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16825 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "16825", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide