Orlando, FL · Cert 58029 · Sunrise Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
87
Profitability
50
Liquidity
44
Efficiency
71
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.
Orlando, FL · Cert 58029 · Sunrise Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.4% share · #25 of 49 inst. · $0.3B of $68.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.81% | 0.90% | 0.94% | 1.00% | 1.05% | 1.00% | 1.02% | +8 bps | |
| Return on Equity | 9.85% | 10.30% | 11.07% | 11.36% | 11.96% | 12.42% | 11.32% | 11.68% | +32 bps | |
| Net Interest Margin | 2.95% | 2.90% | 3.22% | 3.28% | 3.31% | 3.20% | 3.27% | 3.31% | +3 bps | |
| Efficiency Ratio | 65.87% | 64.81% | 60.98% | 61.48% | 60.39% | 60.01% | 62.05% | 59.76% | -173 bps | |
| Non-Interest Burden | 1.92% | 1.85% | 1.93% | 1.99% | 1.97% | 1.89% | 2.00% | 1.95% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.43% | 17.22% | 15.23% | 12.57% | 5.40% | 3.54% | -0.24% | 4.45% | -812 bps | |
| Loan Growth (YoY) | 20.91% | 16.20% | 14.78% | 9.02% | 3.36% | -1.88% | -1.60% | 7.42% | -159 bps | |
| Deposit Growth (YoY) | 21.13% | 17.60% | 15.18% | 13.79% | 5.39% | 3.20% | -0.43% | 4.01% | -978 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.00% | 0.19% | 0.00% | 0.00% | 0.07% | 0.11% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.21% | 1.23% | 1.26% | 1.27% | 1.29% | 1.25% | 1.22% | -4 bps | |
| Allowance Coverage of NPLs | 2.2x | n/a | 6.4x | n/a | n/a | 19.9x | 11.3x | 11.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.19% | 9.29% | 9.65% | 9.64% | 9.30% | 9.74% | 9.50% | -15 bps | |
| Total Risk-Based Capital | 9.31% | 9.19% | 9.29% | 9.65% | 9.64% | 9.30% | 9.74% | 9.50% | -15 bps | |
| Equity / Assets | 8.07% | 8.04% | 8.17% | 8.57% | 8.65% | 8.87% | 8.75% | 8.45% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.83% | 90.12% | 89.57% | 89.63% | 87.12% | 85.69% | 88.52% | 92.58% | +294 bps | |
| Liquid Assets / Assets | 5.43% | 4.48% | 5.60% | 5.74% | 7.40% | 6.78% | 4.48% | 2.14% | -360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 512% | 496% | 540% | n/a | n/a | |
Orlando, FL · Cert 58029 · Peer group: banks under $1B in assets (n=570-617) · Sunrise Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.99%
Rank 318 of 617
Net Interest Margin
3.31%
Rank 386 of 617
Efficiency Ratio
59.76%
Rank 177 of 617
Equity / Assets
8.45%
Rank 515 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.60% | 1.01% | 1.45% | Beats 48% | 318 / 617 | ||
| Return on Equity | 11.72% | 5.30% | 9.43% | 13.30% | Beats 65% | 216 / 617 | ||
| Net Interest Margin | 3.31% | 3.04% | 3.54% | 4.05% | Beats 37% | 386 / 617 | ||
| Efficiency Ratio | 59.76% | 58.03% | 67.76% | 79.08% | Beats 71% | 177 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.47% | 1.27% | Beats 73% | 153 / 570 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.50% | 11.18% | 13.83% | 18.55% | Beats 6% | 583 / 617 | ||
| Total Risk-Based Capital Ratio | 9.50% | 11.56% | 14.39% | 19.39% | Beats 5% | 584 / 617 | ||
| Equity / Assets | 8.45% | 9.03% | 10.55% | 13.63% | Beats 17% | 515 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.58% | 64.77% | 79.70% | 93.06% | 74th pctl | 150 / 582 | ||
| Loans / Assets | 80.87% | 51.70% | 67.18% | 77.51% | 83rd pctl | 102 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||