Sundown State Bank
Sundown, TX · Cert 18780 · Peer group: banks under $1B in assets in TX (n=208-211) · Sundown Bankshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$307.7MAssets
$191.9MLoans
$269.6MDeposits
$36.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets in TX (rank 3 of 211).
- Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets in TX (rank 163 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
4.20%
Rank 3 of 211
Net Interest Margin
3.99%
Rank 90 of 211
Efficiency Ratio
31.06%
Rank 5 of 211
Equity / Assets
11.85%
Rank 86 of 211
Non-interest income vs. expense
Favorable gap of $4.6M · efficiency ratio beats 98% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.20% | 0.87% | 1.20% | 1.65% | Beats 99% | 3 / 211 | |
| Return on Equity | 35.48% | 7.52% | 11.67% | 14.58% | Beats 99% | 2 / 211 | |
| Net Interest Margin | 3.99% | 3.28% | 3.82% | 4.31% | Beats 57% | 90 / 211 | |
| Efficiency Ratio | 31.06% | 53.01% | 64.18% | 73.65% | Beats 98% | 5 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.01% | 0.30% | 1.10% | Beats 31% | 145 / 208 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 28% | 151 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 11.72% | 14.45% | 19.57% | Beats 23% | 162 / 211 | |
| Total Risk-Based Capital Ratio | 11.63% | 11.94% | 14.78% | 20.30% | Beats 23% | 163 / 211 | |
| Equity / Assets | 11.85% | 9.41% | 11.06% | 12.94% | Beats 59% | 86 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 71.16% | 45.39% | 66.56% | 82.03% | 58th pctl | 88 / 208 | |
| Loans / Assets | 62.36% | 39.13% | 56.90% | 70.46% | 59th pctl | 86 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |