Miami, FL · Cert 34643 · Sunstate Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #47 of 86 inst. · $0.5B of $348.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.57% | 0.57% | 0.76% | 1.01% | +50 bps | |
| Return on Equity | 4.09% | 4.58% | 4.54% | 6.05% | 8.05% | +397 bps | |
| Net Interest Margin | 3.17% | 3.09% | 3.08% | 3.23% | 3.37% | +20 bps | |
| Efficiency Ratio | 74.03% | 74.96% | 76.74% | 75.09% | 72.30% | -173 bps | |
| Non-Interest Burden | 2.17% | 2.15% | 2.20% | 2.27% | 2.26% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.25% | 6.43% | 4.19% | 4.18% | 8.03% | +1,027 bps | |
| Loan Growth (YoY) | 10.50% | 7.09% | 10.82% | 10.71% | 1.88% | -862 bps | |
| Deposit Growth (YoY) | 0.52% | 10.16% | 8.17% | 10.65% | 10.59% | +1,007 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.15% | 1.13% | 1.12% | 0.90% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.37% | 10.95% | 11.02% | 11.10% | 11.45% | +8 bps | |
| Total Risk-Based Capital | 13.71% | 14.26% | 14.02% | 14.24% | 14.67% | +97 bps | |
| Equity / Assets | 12.87% | 12.31% | 12.48% | 12.57% | 12.62% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.82% | 68.78% | 69.11% | 68.78% | 68.00% | -581 bps | |
| Liquid Assets / Assets | 5.79% | 12.25% | 11.10% | 8.73% | 9.17% | +339 bps | |
| CRE / Total Capital | n/a | 284% | 284% | 281% | n/a | n/a | |