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Sunflower Bank, National Association

Dallas, TX · Cert 4767 · Firstsun Capital Bcorp

National charter · OCC · 102 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

5

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sunflower Bank, National Association

Dallas, TX · Cert 4767 · Firstsun Capital Bcorp

National charter · OCC · 102 branches

Q2 2026

$15.7BAssets
$11.7BLoans
$13.5BDeposits
$1.9BEquity
Loan mix
55%RE $3.3B44%C&I $2.7B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $10.7B20%Noninterest $2.7BQ2 2025Q2 2026

NIM

5.71%Q2 ’245.48%Q2 ’254.08%Q2 ’26+1%-28%

Non-interest income vs. expense

3.10%Q2 ’243.10%Q2 ’252.59%Q2 ’26-1%-3%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.5% share · #21 of 166 inst. · $3.5B of $732.8B

1.0% Dallas
1.0% Orange
7.0% Collier
13.1% Santa Fe

Executive Summary

  • Earnings: ROA of 0.34%, down 96 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 1.63% of loans (+75 bps YoY), with net charge-offs at 0.90%.
  • Capital: tier 1 leverage ratio of 10.27%, down 176 bps from a year ago.
  • Funding: loans stand at 86.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%-96 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-104 bps YoY

Efficiency Ratio (YTD, annualized)

73.81%+1,144 bps YoY

Tier 1 Leverage Ratio

10.27%-176 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.26%1.29%1.11%0.34%-96 bps
Return on Equity10.43%10.08%10.15%8.38%2.63%-780 bps
Net Interest Margin3.79%3.80%3.85%3.99%2.75%-104 bps
Efficiency Ratio62.37%62.13%61.90%65.94%73.81%+1,144 bps
Non-Interest Burden1.92%1.91%1.92%2.19%1.86%-6 bps
Growth
Asset Growth (YoY)5.48%4.37%4.80%4.25%85.83%+8,034 bps
Loan Growth (YoY)3.03%3.85%5.21%8.16%77.47%+7,444 bps
Deposit Growth (YoY)7.06%6.62%5.79%2.45%87.03%+7,997 bps
Asset Quality
Nonperforming Loans / Loans0.88%1.05%0.91%0.85%1.63%+75 bps
Net Charge-Offs / Loans0.43%0.46%0.42%0.60%0.90%+47 bps
Allowance / Loans1.26%1.24%1.26%1.17%1.48%+22 bps
Allowance Coverage of NPLs1.4x1.2x1.4x1.4x0.9x-0.5x
Capital
Tier 1 Leverage Ratio12.03%12.12%12.38%12.70%10.27%-176 bps
Total Risk-Based Capital14.53%14.57%14.85%14.48%13.69%-84 bps
Equity / Assets12.53%12.84%13.11%13.27%12.32%-21 bps
Liquidity & Funding
Loans / Deposits91.57%93.88%94.42%99.07%86.89%-468 bps
Liquid Assets / Assets8.80%7.48%7.50%4.49%6.03%-277 bps
CRE / Total Capitaln/a201%196.77%197.07%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sunflower Bank, National Association

Dallas, TX · Cert 4767 · Peer group: banks over $10B in assets (n=142-144) · Firstsun Capital Bcorp

National charter · OCC · 102 branches

Q2 2026

$15.7BAssets
$11.7BLoans
$13.5BDeposits
$1.9BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 67% of banks over $10B in assets (rank 48 of 144).
  • Widest gap: return on equity trails 97% of banks over $10B in assets (rank 140 of 144).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.23%

Rank 140 of 144

Net Interest Margin

2.75%

Rank 115 of 144

Efficiency Ratio

75.24%

Rank 138 of 144

Equity / Assets

12.32%

Rank 48 of 144

Non-interest income vs. expense

$123.7M$438.8MINCOMEEXPENSE
Unfavorable gap of $315.0M · efficiency ratio beats 5% of banks over $10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%1.00%1.26%1.54%Beats 3%140 / 144
Return on Equity1.89%8.98%11.34%14.40%Beats 3%140 / 144
Net Interest Margin2.75%2.82%3.31%3.68%Beats 20%115 / 144
Efficiency Ratio75.24%49.42%56.02%62.41%Beats 5%138 / 144
Asset Quality
Nonperforming Loans / Loans1.63%0.48%0.73%1.07%Beats 11%127 / 142
Net Charge-Offs / Loans0.45%0.05%0.11%0.22%Beats 13%124 / 142
Capital
Tier 1 Capital Ratio12.98%12.07%12.98%14.92%Beats 50%72 / 144
Total Risk-Based Capital Ratio13.69%13.39%14.14%16.25%Beats 35%94 / 144
Equity / Assets12.32%9.69%11.39%12.96%Beats 67%48 / 144
Liquidity & Funding
Loans / Deposits86.89%75.72%84.92%91.56%56th pctl63 / 143
Loans / Assets74.80%59.83%69.07%74.80%75th pctl36 / 144
Brokered Deposits / Depositsn/aNot reported for this institution