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Letter portraitLegal landscapeQuarterYTD

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 $0.0BQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $10.7B20%Noninterest $2.7BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.06%1.24%1.30%1.26%1.29%1.11%0.34%-96 bps
Return on Equity9.36%8.92%10.02%10.43%10.08%10.15%8.38%2.63%-780 bps
Net Interest Margin3.77%3.79%3.83%3.79%3.80%3.85%3.99%2.75%-104 bps
Efficiency Ratio62.82%64.65%62.60%62.37%62.13%61.90%65.94%73.81%+1,144 bps
Non-Interest Burden1.95%2.07%1.99%1.92%1.91%1.92%2.19%1.86%-6 bps
Growth
Asset Growth (YoY)4.97%2.80%5.61%5.48%4.37%4.80%4.25%85.83%+8,034 bps
Loan Growth (YoY)4.57%1.85%3.28%3.03%3.85%5.21%8.16%77.47%+7,444 bps
Deposit Growth (YoY)6.05%5.83%6.49%7.06%6.62%5.79%2.45%87.03%+7,997 bps
Asset Quality
Nonperforming Loans / Loans1.02%1.08%1.21%0.88%1.05%0.91%0.85%1.63%+75 bps
Net Charge-Offs / Loans0.43%0.32%0.04%0.43%0.46%0.42%0.60%0.90%+47 bps
Allowance / Loans1.28%1.37%1.40%1.26%1.24%1.26%1.17%1.48%+22 bps
Allowance Coverage of NPLs1.2x1.3x1.2x1.4x1.2x1.4x1.4x0.9x-0.5x
Capital
Tier 1 Leverage Ratio11.50%11.69%12.08%12.03%12.12%12.38%12.70%10.27%-176 bps
Total Risk-Based Capital13.72%13.94%14.09%14.53%14.57%14.85%14.48%13.69%-84 bps
Equity / Assets12.14%12.33%12.50%12.53%12.84%13.11%13.27%12.32%-21 bps
Liquidity & Funding
Loans / Deposits96.38%94.93%93.83%91.57%93.88%94.42%99.07%86.89%-468 bps
Liquid Assets / Assets6.53%7.20%7.04%8.80%7.48%7.50%4.49%6.03%-277 bps
CRE / Total Capitaln/an/an/an/a201%196.77%197.07%n/an/a