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
Unfavorable gap of $315.0M · efficiency ratio beats 5% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 1.00% | 1.26% | 1.54% | Beats 3% | 140 / 144 | n/a | |
| Return on Equity | 1.89% | 8.98% | 11.34% | 14.40% | Beats 3% | 140 / 144 | n/a | |
| Net Interest Margin | 2.75% | 2.82% | 3.31% | 3.68% | Beats 20% | 115 / 144 | n/a | |
| Efficiency Ratio | 75.24% | 49.42% | 56.02% | 62.41% | Beats 5% | 138 / 144 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.63% | 0.48% | 0.73% | 1.07% | Beats 11% | 127 / 142 | n/a | |
| Net Charge-Offs / Loans | 0.45% | 0.05% | 0.11% | 0.22% | Beats 13% | 124 / 142 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 12.07% | 12.98% | 14.92% | Beats 50% | 72 / 144 | n/a | |
| Total Risk-Based Capital Ratio | 13.69% | 13.39% | 14.14% | 16.25% | Beats 35% | 94 / 144 | n/a | |
| Equity / Assets | 12.32% | 9.69% | 11.39% | 12.96% | Beats 67% | 48 / 144 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 86.89% | 75.72% | 84.92% | 91.56% | 56th pctl | 63 / 143 | n/a | |
| Loans / Assets | 74.80% | 59.83% | 69.07% | 74.80% | 75th pctl | 36 / 144 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |