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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

5.83%Q2 ’245.63%Q2 ’255.42%Q2 ’26+2%-10%

Non-interest income vs. expense

3.19%Q2 ’243.22%Q2 ’253.44%Q2 ’26-4%+37%

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 -0.17%, down 153 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.63% of loans (+75 bps YoY), with net charge-offs at 1.45%.
  • 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 (quarter, annualized)

-0.17%-153 bps YoY

Net Interest Margin (quarter, annualized)

3.50%-39 bps YoY

Efficiency Ratio (quarter, annualized)

78.61%+1,645 bps YoY

Tier 1 Leverage Ratio

10.27%-176 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.20%1.34%1.11%-0.17%-153 bps
Return on Equity10.83%9.42%10.32%8.38%-1.37%-1,220 bps
Net Interest Margin3.89%3.95%4.02%3.99%3.50%-39 bps
Efficiency Ratio62.16%61.69%61.26%65.94%78.61%+1,645 bps
Non-Interest Burden1.92%1.96%1.97%2.19%2.62%+70 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 / Loans0.82%0.54%0.30%0.60%1.45%+63 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