| Metric | Sunmark Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.9% | +4.9% | +38.0 pts |
| Deposit growth (YoY) | +40.4% | +4.3% | +36.1 pts |
| Loan growth (YoY) | +40.8% | +5.3% | +35.4 pts |
| ROA | 2.77% | 1.28% | +1.5 pts |
| ROE | 19.8% | 12.4% | +7.3 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $556.6M | $467.5M | $396.2M | $82.1M | $6.9M | 2.77% | 6.47% | 0.03% |
| Q1 2026 | $539.3M | $453.0M | $376.0M | $79.8M | $2.9M | 2.45% | 6.71% | 0.07% |
| Q4 2025 | $398.6M | $345.0M | $280.0M | $47.6M | $12.1M | 3.11% | 6.04% | 0.05% |
| Q3 2025 | $375.3M | $316.5M | $279.2M | $52.6M | $9.0M | 3.11% | 6.07% | 0.03% |
| Q2 2025 | $389.4M | $332.9M | $281.4M | $50.8M | $6.0M | 3.08% | 5.83% | 0.02% |
| Q1 2025 | $381.6M | $326.9M | $266.3M | $49.2M | $2.7M | 2.80% | 5.62% | 0.04% |
| Q4 2024 | $390.4M | $336.5M | $260.0M | $47.5M | $10.5M | 2.74% | 5.57% | 0.01% |
| Q3 2024 | $375.3M | $322.5M | $270.5M | $46.4M | $7.7M | 2.69% | 5.55% | 0.02% |
Loan mix (Q2 2026): real estate $352.9M · commercial $42.8M · consumer $4.6M · securities $15.0M
| Ratio | Sunmark Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.77% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 61.2% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sunmark Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sunmark Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sunmark Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sunmark Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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