Sunflower Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 97.32 percentage points higher than in Q1 2026, at 219.38%. Sunflower Bank, N.A. ranks 75th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.89% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Sunflower Bank, N.A. reported 86.89% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.71B |
| Net loans and leases | $11.54B |
| Loans held for sale | $140.7M |
| Loans to total assets | 74.80% |
| Loan-to-deposit ratio | 86.89% |
| Net loans to equity capital | 5.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.32% |
| Multifamily (5+ residential) | 22.31% |
| Commercial and industrial | 24.65% |
| Consumer | 0.25% |
| Credit cards | 0.03% |
| Farm | 0.02% |
| Loans to depository institutions | 0.02% |
| State and political subdivisions | 8.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 219.38% |
| Construction concentration (Tier 1 capital + allowance) | 17.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.20% |
| Interest income on loans | $194.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.23B | $6.37B | 22.44% | 39.47% | 0.60% |
| Q4 2023 | $6.32B | $6.41B | 22.90% | 39.04% | 0.58% |
| Q1 2024 | $6.34B | $6.55B | 23.33% | 39.11% | 0.64% |
| Q2 2024 | $6.40B | $6.73B | 23.85% | 37.96% | 0.66% |
| Q3 2024 | $6.52B | $6.76B | 23.36% | 38.79% | 0.69% |
| Q4 2024 | $6.44B | $6.78B | 22.61% | 38.80% | 0.64% |
| Q1 2025 | $6.55B | $6.98B | 21.58% | 40.23% | 0.60% |
| Q2 2025 | $6.60B | $7.20B | 20.73% | 40.19% | 0.65% |
| Q3 2025 | $6.77B | $7.21B | 20.59% | 38.07% | 0.58% |
| Q4 2025 | $6.77B | $7.17B | 21.30% | 35.99% | 0.48% |
| Q1 2026 | $7.08B | $7.15B | 20.79% | 37.99% | 0.45% |
| Q2 2026 | $11.71B | $13.48B | 18.32% | 24.65% | 0.25% |
Sunflower Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunflower Bank, N.A., freeSource: Call Report Schedule RC-C, 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)