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
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.
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.
Capital
13
Asset Quality
14
Profitability
32
Liquidity
0
Efficiency
2
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.
Sioux Falls, SD · Cert 18561 · University Finl GBC Dba Sunrise Banks
National charter · OCC · 5 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.2% share · #6 of 42 inst. · $1.7B of $1127.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.39% | 0.29% | 0.39% | 0.33% | 0.39% | 0.26% | 0.35% | -4 bps | |
| Return on Equity | 4.00% | 4.29% | 3.18% | 4.17% | 3.57% | 4.12% | 2.80% | 3.75% | -42 bps | |
| Net Interest Margin | 4.19% | 4.20% | 4.31% | 4.31% | 4.26% | 4.16% | 4.15% | 4.22% | -9 bps | |
| Efficiency Ratio | 90.15% | 89.22% | 91.36% | 89.15% | 90.00% | 89.12% | 91.97% | 90.07% | +92 bps | |
| Non-Interest Burden | 3.63% | 3.57% | 3.78% | 3.60% | 3.63% | 3.50% | 3.67% | 3.64% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.67% | 7.30% | 8.92% | 5.25% | 6.24% | 9.24% | 7.72% | 9.07% | +383 bps | |
| Loan Growth (YoY) | 19.22% | 20.27% | 17.49% | 11.90% | 6.00% | 1.29% | 1.00% | 1.10% | -1,080 bps | |
| Deposit Growth (YoY) | 0.88% | 7.52% | 8.47% | 4.55% | 11.65% | 8.75% | 7.78% | 9.33% | +478 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.36% | 0.93% | 1.05% | 1.31% | 1.13% | 1.05% | 1.34% | +29 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.14% | 0.96% | 1.25% | 1.09% | +109 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.29% | 1.35% | 1.30% | 1.89% | 1.79% | 1.79% | +43 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.5x | 1.4x | 1.3x | 1.0x | 1.7x | 1.7x | 1.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.47% | 10.42% | 10.38% | 10.47% | 10.46% | 10.31% | 9.95% | 10.18% | -29 bps | |
| Total Risk-Based Capital | 10.47% | 10.42% | 10.38% | 10.47% | 10.46% | 10.31% | 9.95% | 10.18% | -29 bps | |
| Equity / Assets | 9.53% | 8.93% | 9.30% | 9.48% | 9.74% | 9.37% | 9.27% | 9.18% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.11% | 77.81% | 77.91% | 77.69% | 77.01% | 72.47% | 73.01% | 71.84% | -585 bps | |
| Liquid Assets / Assets | 2.02% | 2.79% | 2.84% | 3.02% | 3.78% | 7.62% | 6.34% | 7.75% | +473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 391% | 385% | 391% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.93% | 1.26% | 1.54% | Beats 3% | 170 / 176 | ||
| Return on Equity | 3.74% | 9.26% | 11.89% | 14.46% | Beats 3% | 170 / 176 | ||
| Net Interest Margin | 4.22% | 3.25% | 3.59% | 3.93% | Beats 89% | 20 / 176 | ||
| Efficiency Ratio | 90.39% | 52.79% | 59.55% | 67.66% | Beats 2% | 174 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.30% | 0.64% | 1.32% | Beats 24% | 134 / 176 | ||
| Net Charge-Offs / Loans | 0.63% | 0.01% | 0.04% | 0.10% | Beats 3% | 171 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.18% | 11.15% | 12.72% | 14.15% | Beats 8% | 162 / 176 | ||
| Total Risk-Based Capital Ratio | 10.18% | 11.81% | 13.63% | 15.33% | Beats 6% | 165 / 176 | ||
| Equity / Assets | 9.18% | 9.16% | 10.35% | 11.80% | Beats 26% | 131 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.84% | 80.94% | 89.73% | 97.21% | 9th pctl | 160 / 176 | ||
| Loans / Assets | 64.98% | 69.25% | 75.12% | 80.82% | 14th pctl | 152 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||