Sunrise Banks, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Sunrise Banks, N.A.. Its balance sheet stood at $2.8 billion at June 30, 2026, up 9.1% from a year earlier; it is based in Sioux Falls, South Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.98% a year earlier. It earns about $0.43 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Deposits are coming in faster than loans: over the year loans rose 1.1% and deposits rose 9.3%. The multifamily book ($259 million) is worsening: 2.69% of it is past due or on nonaccrual, up from 1.83% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.9% of the capital and reserves that would absorb them, 2.5 times the median of 3.6% for banks its size.
As of June 30, 2026, Sunrise Banks, N.A. reported a return on assets of 0.43%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 8.94%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5105 S Crossing Pl, Sioux Falls, SD 57108
- County
- Lincoln
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 17, 1962
- Former names
- University National Bank (1995-2013); Meridian National Bank (1990-1995)
- Offices
- 5 domestic
- Employees (FTE)
- 364
- Domestic deposits
- $2.51B
- Allowance for credit losses
- $32.3M
- Net charge-offs (YTD)
- $9.8M
- Average total assets
- $2.77B
- Average total loans
- $1.81B
- Average interest-bearing deposits
- $881.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 17, 1962
- FDIC Cert
- 18561
- Fed RSSD
- 860053
- SEC CIK
- 1933296 → filed by UNIVERSITY FINANCIAL CORP, GBC DBA SUNRISE BANKS
- Website
- www.sunrisebanks.com →
- Parent Holding Company
- UNIVERSITY FINANCIAL CORP, GBC DBA SUNRISE BANKS (RSSD 1139103)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Sunrise Banks, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Sunrise Banks, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sunrise Banks, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.18% | 0.43% | 1.34% | 8.94% | 4.38% |
| Q1 2026 | 9.95% | 0.25% | 1.05% | 6.86% | 4.29% |
| Q4 2025 | 10.31% | 0.53% | 1.13% | 7.00% | 4.38% |
| Q3 2025 | 10.46% | 0.23% | 1.31% | 8.39% | 4.38% |
| Q2 2025 | 10.47% | 0.47% | 1.05% | 6.87% | 4.47% |
| Q1 2025 | 10.38% | 0.28% | 0.93% | 6.45% | 4.46% |
| Q4 2024 | 10.42% | 0.45% | 0.36% | 2.69% | 4.55% |
| Q3 2024 | 10.47% | 0.32% | 0.38% | 2.56% | 4.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sioux Falls Branch | Sioux Falls , SD | 57108 | $1.58B |
| Como Branch | Saint Paul , MN | 55108 | $653.5M |
| Sunrise Banks, N.A. (main office) | Sioux Falls , SD | 57108 | $120.7M |
| Washington Ave Branch | Minneapolis , MN | 55401 | $118.4M |
| Blaisdell Avenue Branch | Minneapolis , MN | 55404 | $41.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2013 | Structure Change | Acquired Franklin National Bank of Minneapolis Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Sunrise Banks, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- June 3, 1992, OCC: Formal Agreement: Meridian National Bank
- Period: Most recent institution action June 3, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in SD, rank 12 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 291 applications, 230 loans originated, $79.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 23 loans, $13.1M approved, $570K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Sunrise Banks, N.A.
What are Sunrise Banks, N.A.'s total assets?
As of the Q2 2026 filing, Sunrise Banks, N.A. reported total assets of $2.78 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sunrise Banks, N.A. headquartered?
Sunrise Banks, N.A. is headquartered in Sioux Falls, SD, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Sunrise Banks, N.A. founded?
Sunrise Banks, N.A. was established in 1962, per the FDIC institution directory.
Is Sunrise Banks, N.A. FDIC-insured?
Yes. Sunrise Banks, N.A. is an FDIC-insured commercial bank (FDIC Certificate #18561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunrise Banks, N.A.?
Sunrise Banks, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Sunrise Banks, N.A. operate?
Sunrise Banks, N.A. operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunrise Banks, N.A.'s Texas Ratio?
Sunrise Banks, N.A.'s Texas Ratio is 8.94% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Sunrise Banks, N.A. previously called?
The charter now named Sunrise Banks, N.A. has also operated as University National Bank (1995-2013), Meridian National Bank (1990-1995), per FDIC structure-change records.
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