SUNDOWN STATE BANK

SUNDOWN, TX | Small | Est. May 21, 1963, midnight | FDIC #18780 | RSSD #412667 | FDIC
Latest Report: 2025-12-31

SUNDOWN STATE BANK is asn small FDIC-insured commercial bank headquartered in SUNDOWN, TX, established in May 21, 1963, midnight. As of 2025-12-31, the bank reported total assets of $308M and total deposits of $274M. Profitability stands at 2.54% ROA and 23.40% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 13.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18780.

Assets

$308M

Deposits

$274M

Loans

$202M

Equity

$34M

Profitability

Return on Assets (ROA) 2.54%
Return on Equity (ROE) 23.40%
Net Interest Margin (NIM) 4.63%
Yield on Assets 6.50%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 13.66%
Tier 1 Capital 13.66%
Total Capital Ratio 14.48%
Leverage Ratio 10.93%
Loan-to-Deposit 73.94%

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