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Sunrise Banks, National Association

Sioux Falls, SD · Cert 18561 · University Finl GBC Dba Sunrise Banks

National charter · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sunrise Banks, National Association

Sioux Falls, SD · Cert 18561 · University Finl GBC Dba Sunrise Banks

National charter · OCC · 5 branches

Q2 2026

$2.8BAssets
$1.8BLoans
$2.5BDeposits
$255.2MEquity
Loan mix
76%RE $1.3B7%C&I $0.1B17%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
35%Interest-bearing $0.9B65%Noninterest $1.6BQ2 2025Q2 2026

NIM

4.81%Q2 ’244.80%Q2 ’254.79%Q2 ’26+1%-2%

Non-interest income vs. expense

5.31%Q2 ’245.89%Q2 ’255.34%Q2 ’26+0%+1%

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.2% share · #6 of 42 inst. · $1.7B of $1127.8B

0.3% Lincoln
0.9% Ramsey
0.1% Hennepin

Executive Summary

  • Earnings: ROA of 0.35%, down 4 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 1.34% of loans (+29 bps YoY), with net charge-offs at 1.09%.
  • Capital: tier 1 leverage ratio of 10.18%, down 29 bps from a year ago.
  • Funding: loans stand at 71.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-9 bps YoY

Efficiency Ratio (YTD, annualized)

90.07%+92 bps YoY

Tier 1 Leverage Ratio

10.18%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.33%0.39%0.26%0.35%-4 bps
Return on Equity4.17%3.57%4.12%2.80%3.75%-42 bps
Net Interest Margin4.31%4.26%4.16%4.15%4.22%-9 bps
Efficiency Ratio89.15%90.00%89.12%91.97%90.07%+92 bps
Non-Interest Burden3.60%3.63%3.50%3.67%3.64%+4 bps
Growth
Asset Growth (YoY)5.25%6.24%9.24%7.72%9.07%+383 bps
Loan Growth (YoY)11.90%6.00%1.29%1.00%1.10%-1,080 bps
Deposit Growth (YoY)4.55%11.65%8.75%7.78%9.33%+478 bps
Asset Quality
Nonperforming Loans / Loans1.05%1.31%1.13%1.05%1.34%+29 bps
Net Charge-Offs / Loans0.00%0.14%0.96%1.25%1.09%+109 bps
Allowance / Loans1.35%1.30%1.89%1.79%1.79%+43 bps
Allowance Coverage of NPLs1.3x1.0x1.7x1.7x1.3x0.0x
Capital
Tier 1 Leverage Ratio10.47%10.46%10.31%9.95%10.18%-29 bps
Total Risk-Based Capital10.47%10.46%10.31%9.95%10.18%-29 bps
Equity / Assets9.48%9.74%9.37%9.27%9.18%-30 bps
Liquidity & Funding
Loans / Deposits77.69%77.01%72.47%73.01%71.84%-585 bps
Liquid Assets / Assets3.02%3.78%7.62%6.34%7.75%+473 bps
CRE / Total Capitaln/a391%385%391%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sunrise Banks, National Association

Sioux Falls, SD · Cert 18561 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · University Finl GBC Dba Sunrise Banks

National charter · OCC · 5 branches

Q2 2026

$2.8BAssets
$1.8BLoans
$2.5BDeposits
$255.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks $1B-$10B in assets operating regionally (rank 20 of 176).
  • Widest gap: efficiency ratio trails 98% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.34%

Rank 170 of 176

Net Interest Margin

4.22%

Rank 20 of 176

Efficiency Ratio

90.39%

Rank 174 of 176

Equity / Assets

9.18%

Rank 131 of 176

Non-interest income vs. expense

$47.1M$147.9MINCOMEEXPENSE
Unfavorable gap of $100.9M · efficiency ratio beats 2% of banks $1B-$10B in assets operating regionally
Bank 90.39%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.34%0.93%1.26%1.54%Beats 3%170 / 176
Return on Equity3.74%9.26%11.89%14.46%Beats 3%170 / 176
Net Interest Margin4.22%3.25%3.59%3.93%Beats 89%20 / 176
Efficiency Ratio90.39%52.79%59.55%67.66%Beats 2%174 / 176
Asset Quality
Nonperforming Loans / Loans1.34%0.30%0.64%1.32%Beats 24%134 / 176
Net Charge-Offs / Loans0.63%0.01%0.04%0.10%Beats 3%171 / 176
Capital
Tier 1 Capital Ratio10.18%11.15%12.72%14.15%Beats 8%162 / 176
Total Risk-Based Capital Ratio10.18%11.81%13.63%15.33%Beats 6%165 / 176
Equity / Assets9.18%9.16%10.35%11.80%Beats 26%131 / 176
Liquidity & Funding
Loans / Deposits71.84%80.94%89.73%97.21%9th pctl160 / 176
Loans / Assets64.98%69.25%75.12%80.82%14th pctl152 / 176
Brokered Deposits / Depositsn/aNot reported for this institution