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Sunrise Bank

Orlando, FL · Cert 58029 · Sunrise Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

72

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

Sunrise Bank

Orlando, FL · Cert 58029 · Sunrise Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$622.9MAssets
$503.8MLoans
$544.2MDeposits
$52.6MEquity
Loan mix
84%RE $393.1M16%C&I $74.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $447.2M18%Noninterest $96.9MQ2 2025Q2 2026

NIM

5.55%Q2 ’245.85%Q2 ’255.53%Q2 ’26+8%+1%

Non-interest income vs. expense

2.09%Q2 ’242.06%Q2 ’252.02%Q2 ’26-2%-2%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.4% share · #25 of 49 inst. · $0.3B of $68.8B

0.6% Orange
2.0% Brevard
0.4% Volusia

Executive Summary

  • Earnings: ROA of 1.02%, up 8 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.50%, down 15 bps from a year ago.
  • Funding: loans stand at 92.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+3 bps YoY

Efficiency Ratio (YTD, annualized)

59.76%-173 bps YoY

Tier 1 Leverage Ratio

9.50%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.00%1.05%1.00%1.02%+8 bps
Return on Equity11.36%11.96%12.42%11.32%11.68%+32 bps
Net Interest Margin3.28%3.31%3.20%3.27%3.31%+3 bps
Efficiency Ratio61.48%60.39%60.01%62.05%59.76%-173 bps
Non-Interest Burden1.99%1.97%1.89%2.00%1.95%-4 bps
Growth
Asset Growth (YoY)12.57%5.40%3.54%-0.24%4.45%-812 bps
Loan Growth (YoY)9.02%3.36%-1.88%-1.60%7.42%-159 bps
Deposit Growth (YoY)13.79%5.39%3.20%-0.43%4.01%-978 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.07%0.11%0.10%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.26%1.27%1.29%1.25%1.22%-4 bps
Allowance Coverage of NPLsn/an/a19.9x11.3x11.9xn/a
Capital
Tier 1 Leverage Ratio9.65%9.64%9.30%9.74%9.50%-15 bps
Total Risk-Based Capital9.65%9.64%9.30%9.74%9.50%-15 bps
Equity / Assets8.57%8.65%8.87%8.75%8.45%-12 bps
Liquidity & Funding
Loans / Deposits89.63%87.12%85.69%88.52%92.58%+294 bps
Liquid Assets / Assets5.74%7.40%6.78%4.48%2.14%-360 bps
CRE / Total Capitaln/a512%496%540%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

Sunrise Bank

Orlando, FL · Cert 58029 · Peer group: banks under $1B in assets (n=581-629) · Sunrise Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$622.9MAssets
$503.8MLoans
$544.2MDeposits
$52.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 594 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.99%

Rank 325 of 629

Net Interest Margin

3.31%

Rank 391 of 629

Efficiency Ratio

59.76%

Rank 175 of 629

Equity / Assets

8.45%

Rank 529 of 629

Non-interest income vs. expense

$0.4M$12.5MINCOMEEXPENSE
Unfavorable gap of $12.1M · efficiency ratio beats 72% of banks under $1B in assets
Bank 59.76%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.60%1.01%1.45%Beats 48%325 / 629
Return on Equity11.72%5.38%9.30%13.28%Beats 65%219 / 629
Net Interest Margin3.31%3.03%3.54%4.05%Beats 38%391 / 629
Efficiency Ratio59.76%58.35%67.79%79.08%Beats 72%175 / 629
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.46%1.20%Beats 73%157 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.50%11.24%13.84%18.77%Beats 6%593 / 629
Total Risk-Based Capital Ratio9.50%11.58%14.43%19.66%Beats 6%594 / 629
Equity / Assets8.45%9.09%10.65%13.80%Beats 16%529 / 629
Liquidity & Funding
Loans / Deposits92.58%67.24%80.90%93.48%74th pctl156 / 594
Loans / Assets80.87%53.31%67.71%78.15%83rd pctl107 / 629
Brokered Deposits / Depositsn/aNot reported for this institution