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
Unfavorable gap of $100.9M · efficiency ratio beats 2% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |