Sunflower Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common stock surplus: 145.1% higher than in Q1 2026, at $1.39B. Within Texas, Sunflower Bank, N.A. is 158th of 184 on CET1 ratio, 12.98% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; Sunflower Bank, N.A. reported 12.98% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.98% |
| Tier 1 risk-based capital ratio | 12.98% |
| Total risk-based capital ratio | 13.69% |
| Tier 1 leverage ratio | 10.27% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.72B |
| Tier 1 capital | $1.72B |
| Total risk-based capital | $1.81B |
| Total equity capital | $1.93B |
| Risk-weighted assets | $13.24B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.32% |
| Tangible equity to tangible assets | 11.35% |
| Equity capital to average assets | 11.36% |
| Internal capital growth rate | -10.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.0M |
| Common stock surplus | $1.39B |
| Retained earnings | $555.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$30.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.36% | 11.36% | 12.46% | 10.89% | $7.14B |
| Q4 2023 | 11.68% | 11.68% | 12.79% | 11.05% | $7.18B |
| Q1 2024 | 12.05% | 12.05% | 13.18% | 11.27% | $7.09B |
| Q2 2024 | 12.33% | 12.33% | 13.44% | 11.38% | $7.15B |
| Q3 2024 | 12.57% | 12.57% | 13.72% | 11.50% | $7.22B |
| Q4 2024 | 12.74% | 12.74% | 13.94% | 11.69% | $7.31B |
| Q1 2025 | 12.85% | 12.85% | 14.09% | 12.08% | $7.43B |
| Q2 2025 | 13.40% | 13.40% | 14.53% | 12.03% | $7.36B |
| Q3 2025 | 13.45% | 13.45% | 14.57% | 12.12% | $7.53B |
| Q4 2025 | 13.72% | 13.72% | 14.85% | 12.38% | $7.54B |
| Q1 2026 | 13.42% | 13.42% | 14.48% | 12.70% | $7.90B |
| Q2 2026 | 12.98% | 12.98% | 13.69% | 10.27% | $13.24B |
Sunflower Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunflower Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sunflower Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4767) · FFIEC NIC profile (RSSD 474759)