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 | |