Sunstate Bank
Miami, FL · Cert 34643 · Peer group: banks under $1B in assets (n=581-629) · 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 581).
- Widest gap: efficiency ratio trails 61% of banks under $1B in assets (rank 385 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.00%
Rank 323 of 629
Net Interest Margin
3.37%
Rank 367 of 629
Efficiency Ratio
72.30%
Rank 385 of 629
Equity / Assets
12.62%
Rank 199 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.60% | 1.01% | 1.45% | Beats 49% | 323 / 629 | | |
| Return on Equity | 7.91% | 5.38% | 9.30% | 13.28% | Beats 39% | 381 / 629 | | |
| Net Interest Margin | 3.37% | 3.03% | 3.54% | 4.05% | Beats 42% | 367 / 629 | | |
| Efficiency Ratio | 72.30% | 58.35% | 67.79% | 79.08% | Beats 39% | 385 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 11.24% | 13.84% | 18.77% | Beats 52% | 304 / 629 | | |
| Total Risk-Based Capital Ratio | 14.67% | 11.58% | 14.43% | 19.66% | Beats 52% | 304 / 629 | | |
| Equity / Assets | 12.62% | 9.09% | 10.65% | 13.80% | Beats 68% | 199 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.00% | 67.24% | 80.90% | 93.48% | 26th pctl | 438 / 594 | | |
| Loans / Assets | 58.91% | 53.31% | 67.71% | 78.15% | 32nd pctl | 425 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |