Bank of Sunset & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Bank of Sunset & Trust Company is an FDIC-insured commercial bank headquartered in Sunset, LA, established in 1906 (FDIC certificate 11788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $192.3M, down 1.4% from Q2 2025, the 75th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.37% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11788
- Headquarters
- Sunset, LA
- Established
- 1906
- Total assets, Q2 2026
- $192.3M
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 11.37%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 065202393
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Sunset & Trust Company Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- SUNSET BANCORP, INC.
- Asset rank in state
- 75th of 102 in Louisiana
Bank of Sunset & Trust Company earns an unusually wide margin on its lending. Based in Sunset, Louisiana, it had $192 million in assets at June 30, 2026, down 1.4% from a year earlier. It keeps 4.89 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also lost 2.8% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.58% of loans from 1.40%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of Sunset & Trust Company reported a return on assets of 1.63%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 6.08%. The figures come from its call report filed with the FFIEC.
Bank of Sunset & Trust Company ranks as the 75th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.0% to $192.3M, loans fell 0.2% and deposits fell 2.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.9% of total loans, followed by construction and land development loans at 29.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in LA; its Sunset office books 72% of its branch deposits. Judged on its Q2 2026 call report, Bank of Sunset & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 863 Napoleon Ave, Sunset, LA 70584
- County
- St. Landry
- Metro Area
- Opelousas, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $169.1M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $173K
- Average total assets
- $195.6M
- Average total loans
- $153.3M
- Average interest-bearing deposits
- $128.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11788
- Fed RSSD
- 910239
- Website
- www.bankofsunset.com →
- Parent Holding Company
- SUNSET BANCORP, INC. (RSSD 2376727)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Sunset & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Sunset & Trust Company's total assets ran between $180.3M (Q3 2023) and $197.6M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.3M total assets against $195.1M; $172.3M total liabilities against $176.9M.
$151.4M net loans and leases against $154.8M; $169.1M total deposits against $173.9M.
$17.2M securities against $18.6M; $10.8M cash and balances due against $9.7M.
$2.9M total interest income against $2.9M; $638K total interest expense against $728K.
$2.3M net interest income against $2.2M.
$153K total noninterest income against $180K; $1.4M total noninterest expense against $1.4M.
$30K provision for credit losses against $30K.
$797K net income against $777K.
1.63% return on assets against 1.59%; 4.89% net interest margin against 4.70%.
11.37% tier 1 leverage ratio against 10.54%.
Inside the full Bank of Sunset & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Bank of Sunset & Trust Company rankings
Its closest position to the top of a national ranking is 1,038 of 3,611, for ROA; its furthest is 3,015 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q3 2024) to 1.77% (Q1 2026) and its net interest margin ran from 4.13% (Q3 2024) to 4.94% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.37% | 1.63% | 0.58% | 6.08% | 4.89% |
| Q1 2026 | 11.30% | 1.77% | 0.61% | 4.26% | 4.94% |
| Q4 2025 | 11.19% | 1.58% | 0.64% | 4.63% | 4.88% |
| Q3 2025 | 10.95% | 1.43% | 0.62% | 4.51% | 4.75% |
| Q2 2025 | 10.54% | 1.59% | 1.40% | 11.03% | 4.70% |
| Q1 2025 | 10.70% | 1.33% | 0.46% | 3.70% | 4.49% |
| Q4 2024 | 10.44% | 1.45% | 0.94% | 7.54% | 4.32% |
| Q3 2024 | 10.59% | 1.10% | 0.33% | 2.71% | 4.13% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Sunset and Trust Company | Sunset , LA | 70584 | $121.0M |
| Lafayette Branch | Lafayette , LA | 70508 | $27.6M |
| Broussard Branch | Broussard , LA | 70518 | $20.6M |
| Grand Coteau Drive-In Branch | Grand Coteau , LA | 70541 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 85 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $65K approved, $65K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Sunset & Trust Company
What are Bank of Sunset & Trust Company's total assets?
As of the Q2 2026 filing, Bank of Sunset & Trust Company reported total assets of $192.3 million in its FFIEC call report.
Where is Bank of Sunset & Trust Company headquartered?
It is headquartered in Sunset, LA, United States.
When was Bank of Sunset & Trust Company founded?
It was established in 1906, per the FDIC institution directory.
Is Bank of Sunset & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Sunset & Trust Company?
Bank of Sunset & Trust Company's primary federal regulator is the FDIC.
How many branches does Bank of Sunset & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Sunset & Trust Company's Texas Ratio?
Its Texas Ratio is 6.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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