Sundown State Bank
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Data as of · sourced from FFIEC call reports. How we update
Sundown State Bank is an FDIC-insured commercial bank headquartered in Sundown, TX, established in 1963 (FDIC certificate 18780), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $307.7M, up 7.3% from Q2 2025, the 210th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.63% 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
- 18780
- Headquarters
- Sundown, TX
- Established
- 1963
- Total assets, Q2 2026
- $307.7M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 11.63%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111301436
- Latest call report
- Q2 2026, FFIEC 051 · Sundown State Bank call report
- Holding company
- SUNDOWN BANKSHARES, INC.
- Asset rank in state
- 210th of 346 in Texas
Problem loans are rising at Sundown State Bank. It reported $308 million in assets at June 30, 2026, up 7.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.84% of loans from 0.00% a year earlier. It shrank its loan book 6.8% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 6.8% and deposits rose 6.1%. Delinquency has appeared in its $28 million non-owner-occupied commercial real estate book: 3.55% of those loans are past due or on nonaccrual, against almost none a year earlier. One more trend to watch: delinquency has appeared in its $40 million commercial and industrial book: 2.76% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Sundown State Bank reported a return on assets of 1.77%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 4.19%. The figures come from its call report filed with the FFIEC.
Sundown State Bank ranks as the 210th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.8% to $307.7M, loans fell 1.7% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 24.3% of total loans, ahead of agricultural production loans at 21.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Levelland office books 36% of its branch deposits. Judged on its Q2 2026 call report, Sundown State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 S Slaughter Ave, Sundown, TX 79372
- County
- Hockley
- Metro Area
- Lubbock, TX
- 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 21, 1963
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $269.6M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $313.4M
- Average total loans
- $188.0M
- Average interest-bearing deposits
- $192.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 21, 1963
- FDIC Cert
- 18780
- Fed RSSD
- 412667
- Website
- www.sundownsb.com →
- Parent Holding Company
- SUNDOWN BANKSHARES, INC. (RSSD 1104389)
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, Sundown State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sundown State Bank's total assets ranged from $255.1M (Q2 2024) to $319.7M (Q1 2026), 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
$307.7M total assets against $286.7M; $271.2M total liabilities against $255.5M.
$189.8M net loans and leases against $204.2M; $269.6M total deposits against $254.2M.
$22.8M securities against $12.3M; $83.0M cash and balances due against $58.1M.
$4.3M total interest income against $4.3M; $1.2M total interest expense against $1.3M.
$3.1M net interest income against $3.0M.
$309K total noninterest income against $462K; $1.7M total noninterest expense against $1.7M.
$0 provision for credit losses against $10K.
$1.4M net income against $1.4M.
1.77% return on assets against 2.05%; 4.25% net interest margin against 4.65%.
11.63% tier 1 leverage ratio against 11.21%.
Inside the full Sundown State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSundown State Bank rankings
Its closest position to the top of a national ranking is 679 of 3,606, for efficiency ratio; its furthest is 2,419 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.74% (Q4 2024) to 6.49% (Q1 2026) and its net interest margin ran from 4.25% (Q1 2026) to 5.12% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 1.77% | 0.84% | 4.19% | 4.25% |
| Q1 2026 | 12.33% | 6.49% | 1.61% | 7.71% | 4.25% |
| Q4 2025 | 10.93% | 2.53% | 1.47% | 8.47% | 4.41% |
| Q3 2025 | 11.32% | 2.23% | 0.00% | 0.00% | 5.12% |
| Q2 2025 | 11.21% | 2.05% | 0.00% | 0.00% | 4.65% |
| Q1 2025 | 10.90% | 1.85% | 0.00% | 0.00% | 4.57% |
| Q4 2024 | 10.55% | 1.74% | 0.00% | 0.00% | 4.53% |
| Q3 2024 | 10.79% | 1.79% | 0.00% | 0.00% | 4.63% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Levelland Branch | Levelland , TX | 79336 | $97.5M |
| Denver City Branch | Denver City , TX | 79323 | $55.8M |
| Brownfield Branch | Brownfield , TX | 79316 | $42.6M |
| Sundown State Bank (main office) | Sundown , TX | 79372 | $41.3M |
| Wall Branch | Wall , TX | 76957 | $32.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 254 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Sundown State Bank
What are Sundown State Bank's total assets?
As of the Q2 2026 filing, Sundown State Bank reported total assets of $307.7 million in its FFIEC call report.
Where is Sundown State Bank headquartered?
It is headquartered in Sundown, TX, United States.
When was Sundown State Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Sundown State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sundown State Bank?
Sundown State Bank's primary federal regulator is the FDIC.
How many branches does Sundown State Bank operate?
It 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 Sundown State Bank's Texas Ratio?
Its Texas Ratio is 4.19% 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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