Sunstate Bank
Miami, FL · Cert 34643 · Peer group: banks under $1B in assets (n=573-620) · Sunstate Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$580.4MAssets
$341.9MLoans
$502.7MDeposits
$73.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 573).
- Widest gap: efficiency ratio trails 61% of banks under $1B in assets (rank 377 of 620).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.00%
Rank 312 of 620
Net Interest Margin
3.37%
Rank 357 of 620
Efficiency Ratio
72.30%
Rank 377 of 620
Equity / Assets
12.62%
Rank 191 of 620
Non-interest income vs. expense
Unfavorable gap of $13.0M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.60% | 1.00% | 1.45% | Beats 50% | 312 / 620 | |
| Return on Equity | 7.91% | 5.30% | 9.30% | 13.29% | Beats 40% | 372 / 620 | |
| Net Interest Margin | 3.37% | 3.02% | 3.53% | 4.04% | Beats 42% | 357 / 620 | |
| Efficiency Ratio | 72.30% | 58.35% | 68.08% | 79.37% | Beats 39% | 377 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 11.27% | 13.87% | 18.78% | Beats 51% | 301 / 620 | |
| Total Risk-Based Capital Ratio | 14.67% | 11.69% | 14.57% | 19.67% | Beats 51% | 303 / 620 | |
| Equity / Assets | 12.62% | 9.03% | 10.60% | 13.73% | Beats 69% | 191 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 68.00% | 65.08% | 79.69% | 92.47% | 28th pctl | 420 / 585 | |
| Loans / Assets | 58.91% | 51.85% | 67.17% | 77.86% | 35th pctl | 406 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |