Sunflower Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Sunflower Bank, N.A. is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1892 (FDIC certificate 4767), and it is supervised by the OCC. At Q2 2026 it reported total assets of $15.65B, the 6th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.98% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4767
- Headquarters
- Dallas, TX
- Established
- 1892
- Total assets, Q2 2026
- $15.65B
- CET1 ratio, Q2 2026
- 12.98%
- Domestic offices
- 103 FDIC institution directory, current count
- Routing number
- 112207403
- Latest call report
- Q2 2026, FFIEC 041 · Sunflower Bank, N.A. call report
- Holding company
- FIRSTSUN CAPITAL BANCORP
- Asset rank in state
- 6th of 346 in Texas
Problem loans are rising at Sunflower Bank, N.A.. It reported $15.7 billion in assets at June 30, 2026, against $8.4 billion a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.63% of loans from 0.88% a year earlier. It loses about $0.12 a year on every $100 of assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
It lost $5.3 million in the quarter. The commercial and industrial book ($2.9 billion) is worsening: 3.07% of it is past due or on nonaccrual, up from 1.05% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.8% of the capital and reserves that would absorb them, 2.6 times the median of 4.2% for banks its size.
As of June 30, 2026, Sunflower Bank, N.A. reported a CET1 capital ratio of 12.98%, a return on assets of -0.12%, a nonperforming-loan ratio of 1.63% and a Texas ratio of 10.75%. The figures come from its call report filed with the FFIEC.
Sunflower Bank, N.A. ranks as the 6th 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 rose 83.0% to $15.65B, loans rose 65.3% and deposits rose 88.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.7% of total loans, ahead of multifamily loans at 22.3%. The FDIC Summary of Deposits lists 102 offices for it, in 78 cities across 10 states; its Dallas office books 24% of its branch deposits. Judged on its Q2 2026 call report, Sunflower Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8117 Preston Rd, Dallas, TX 75225
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 24, 1892
- Former names
- First National Bank and Trust (1989-1992); The First National Bank and Trust Company of Salina (1963-1989)
- Domestic offices
- 103 FDIC institution directory, current count
- Employees (FTE)
- 1,561
- Domestic deposits
- $13.48B
- Allowance for credit losses
- $173.6M
- Net charge-offs (YTD)
- $53.0M
- Average total assets
- $16.97B
- Average total loans
- $12.63B
- Average interest-bearing deposits
- $11.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4767
- Fed RSSD
- 474759
- SEC CIK
- 1709442 → filed by FIRSTSUN CAPITAL BANCORP
- Website
- www.sunflowerbank.com →
- Parent Holding Company
- FIRSTSUN CAPITAL BANCORP (RSSD 1066713) · FSUN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Neal E Arnold | CEO | CEO & President |
| Mollie H Carter | CHR | Executive Chair |
| Robert A Cafera | CFO | Chief Financial Officer |
| Jennifer Norris | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Sunflower Bank, N.A.'s total assets moved between a low of $7.74B (Q3 2023) and a high of $15.65B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$15.65B total assets against $8.42B; $13.73B total liabilities against $7.37B.
$11.54B net loans and leases against $6.51B; $13.48B total deposits against $7.20B.
$1.94B securities against $508.1M; $980.0M cash and balances due against $785.1M.
$229.9M total interest income against $116.9M; $83.5M total interest expense against $37.2M.
$146.4M net interest income against $79.7M.
$34.7M total noninterest income against $27.1M; $146.0M total noninterest expense against $66.9M.
$40.4M provision for credit losses against $4.5M.
-$5.3M net income against $28.2M.
-0.12% return on assets against 1.36%; 3.73% net interest margin against 4.17%.
12.98% CET1 capital ratio against 13.40%; 10.27% tier 1 leverage ratio against 12.03%.
Inside the full Sunflower Bank, N.A. 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.
Sunflower Bank, N.A. rankings
Its closest position to the top of a national ranking is 122 of 4,196, for total assets; its furthest is 3,516 of 3,611, for ROA.
Banks merged into Sunflower Bank, N.A.
- First Foundation Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.12% (Q2 2026) to 1.36% (Q2 2025) and its net interest margin ran from 3.73% (Q2 2026) to 4.32% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.98% | -0.12% | 1.63% | 10.75% | 3.73% |
| Q1 2026 | 13.42% | 1.11% | 0.85% | 6.33% | 4.29% |
| Q4 2025 | 13.72% | 1.34% | 0.91% | 6.65% | 4.32% |
| Q3 2025 | 13.45% | 1.19% | 1.05% | 7.87% | 4.24% |
| Q2 2025 | 13.40% | 1.36% | 0.88% | 6.87% | 4.17% |
| Q1 2025 | 12.85% | 1.26% | 1.21% | 8.25% | 4.13% |
| Q4 2024 | 12.74% | 0.93% | 1.08% | 7.61% | 4.23% |
| Q3 2024 | 12.57% | 1.22% | 1.02% | 7.34% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 102 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 |
|---|---|---|---|
| Sunflower Bank, N.A. (main office) | Dallas , TX | 75225 | $3.26B |
| Irvine Branch | Irvine , CA | 92612 | $1.37B |
| Fifth Avenue Office | Naples , FL | 34102 | $793.4M |
| El Paso E. Main Branch | El Paso , TX | 79901 | $467.5M |
| Albuquerque Jefferson Branch | Albuquerque , NM | 87109 | $350.4M |
| Santa Fe Lincoln Branch | Santa Fe , NM | 87501 | $299.7M |
| Overland Park W. 135th Branch | Overland Park , KS | 66223 | $239.8M |
| Honolulu Branch | Honolulu , HI | 96813 | $208.6M |
| Phoenix N. 40th Branch | Phoenix , AZ | 85018 | $194.4M |
| Greenwood Village Dtc 100 Branch | Greenwood Village , CO | 80111 | $191.1M |
| Pine Ridge Road Branch | Naples , FL | 34109 | $184.7M |
| Canon City Royal Gorge Branch | Canon City , CO | 81212 | $181.5M |
| Dodge City 1st Branch | Dodge City , KS | 67801 | $177.8M |
| Los Angeles Century Park Branch | Los Angeles , CA | 90067 | $170.9M |
| Salina S. Ohio Branch | Salina , KS | 67401 | $164.7M |
| Hays E. 27th Branch | Hays , KS | 67601 | $155.6M |
| San Antonio E. Basse Branch | San Antonio , TX | 78209 | $153.4M |
| Austin W. 38th Branch | Austin , TX | 78705 | $140.0M |
| Santa Fe Cerrillos Branch | Santa Fe , NM | 87505 | $133.6M |
| Sherman Oaks Branch | Sherman Oaks , CA | 91403 | $131.0M |
| Richardson N. Collins Branch | Richardson , TX | 75080 | $129.5M |
| Laguna Hills Branch | Laguna Hills , CA | 92637 | $124.3M |
| El Centro Branch | El Centro , CA | 92243 | $124.2M |
| Scottsdale E. Greenway Pkwy Branch | Scottsdale , AZ | 85254 | $123.4M |
| Santa Fe Avenida Vista Grande Branch | Santa Fe , NM | 87508 | $120.7M |
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, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired First Foundation Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | Structure Change | Acquired Pioneer Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2017 | Structure Change | Acquired First National Bank of Santa Fe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 2010 | Structure Change | Acquired Bank of Leeton Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 7, 2005 | Structure Change | Acquired First National Bank - Colorado Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 2004 | Structure Change | Acquired The Citizens State Bank, Liberal, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2002 | Structure Change | Acquired Bank of Monte Vista Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 2001 | Structure Change | Acquired The First National Bank of Canon City, Colorado Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | Structure Change | Acquired Bank of the Southwest Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 5, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1996 | Structure Change | Acquired The Peoples State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 1994 | Structure Change | Acquired Pioneer Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1993 | Structure Change | Acquired City Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1992 | Structure Change | Acquired The First State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 13, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 1991 | Structure Change | Acquired The Farmers National Bank of Victoria Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 1990 | Structure Change | Acquired First of Kansas Savings, a Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 4, 1988 | Structure Change | Acquired Home State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 3, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1960 | Structure Change | Acquired Brookville State Bank 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 34 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- August 10, 1999, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Sunflower Bank, National Association
- August 10, 1999, OCC: Civil Money Penalty (CMP): Sunflower Bank, National Association
- Period: Most recent institution action August 10, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TX, rank 31 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,231 applications, 3,566 loans originated, $1.59B originated, across 42 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $14.3M approved, $892K 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).
- Not on file
- 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 Sunflower Bank, N.A.
What are Sunflower Bank, N.A.'s total assets?
As of the Q2 2026 filing, Sunflower Bank, N.A. reported total assets of $15.65 billion in its FFIEC call report.
Where is Sunflower Bank, N.A. headquartered?
It is headquartered in Dallas, TX, United States.
When was Sunflower Bank, N.A. founded?
It was established in 1892, per the FDIC institution directory.
Is Sunflower Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunflower Bank, N.A.?
Sunflower Bank, N.A.'s primary federal regulator is the OCC.
What is Sunflower Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sunflower Bank, N.A. operate?
It operates 103 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunflower Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 10.75% 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.
What was Sunflower Bank, N.A. previously called?
The charter now named Sunflower Bank, N.A. has also operated as First National Bank and Trust (1989-1992), The First National Bank and Trust Company of Salina (1963-1989), per FDIC structure-change records.
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