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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.01% | 0.20% | 0.82% | 0.70% | 0.55% | 0.76% | 1.27% | +44 bps | |
| Return on Equity | 4.61% | 0.10% | 1.64% | 6.51% | 5.54% | 4.40% | 6.05% | 10.05% | +354 bps | |
| Net Interest Margin | 3.12% | 3.06% | 2.88% | 3.42% | 3.26% | 3.08% | 3.23% | 3.50% | +8 bps | |
| Efficiency Ratio | 78.58% | 95.02% | 81.98% | 67.12% | 76.70% | 81.95% | 75.09% | 69.69% | +257 bps | |
| Non-Interest Burden | 2.31% | 2.84% | 2.23% | 2.08% | 2.35% | 2.38% | 2.27% | 2.25% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.92% | 16.01% | 8.87% | -2.25% | 6.43% | 4.19% | 4.18% | 8.03% | +1,027 bps | |
| Loan Growth (YoY) | 19.90% | 7.68% | 5.71% | 10.50% | 7.09% | 10.82% | 10.71% | 1.88% | -862 bps | |
| Deposit Growth (YoY) | 12.87% | 20.00% | 9.98% | 0.52% | 10.16% | 8.17% | 10.65% | 10.59% | +1,007 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.07% | -0.01% | 0.00% | -0.04% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 1.00% | 1.14% | 1.12% | 1.15% | 1.13% | 1.12% | 0.90% | -22 bps | |
| Allowance Coverage of NPLs | 21.9x | 25.1x | 30.0x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.21% | 11.01% | 10.99% | 11.37% | 10.95% | 11.02% | 11.10% | 11.45% | +8 bps | |
| Total Risk-Based Capital | 14.85% | 15.37% | 15.16% | 13.71% | 14.26% | 14.02% | 14.24% | 14.67% | +97 bps | |
| Equity / Assets | 12.64% | 12.29% | 12.40% | 12.87% | 12.31% | 12.48% | 12.57% | 12.62% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.76% | 67.45% | 68.75% | 73.82% | 68.78% | 69.11% | 68.78% | 68.00% | -581 bps | |
| Liquid Assets / Assets | 10.52% | 18.69% | 16.83% | 5.79% | 12.25% | 11.10% | 8.73% | 9.17% | +339 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 284% | 284% | 281% | n/a | n/a | |