Sunflower Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sunflower Bank, N.A. of Dallas, TX against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.12% | 1.35% | -1.47% | 2nd bottom |
| ROAE | -1.37% | 12.34% | -13.71% | 2nd bottom |
| Net Interest Margin | 3.73% | 3.68% | +0.05% | 59th above |
| Efficiency Ratio | 77.79% | 53.72% | +24.07% | 5th bottom |
| PPNR / Avg Assets | 0.83% | 1.96% | -1.13% | 4th bottom |
| Yield on Earning Assets | 5.84% | 5.57% | +0.27% | 82nd top |
| Cost of Funds | 2.35% | 1.99% | +0.36% | 28th below |
| Net Interest Spread | 1.75% | 2.98% | -1.23% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.76% | 1.05% | +0.71% | 9th bottom |
| NPA / Total Assets | 1.43% | 0.76% | +0.67% | 10th bottom |
| NCO / Avg Loans | 1.34% | 0.35% | +0.99% | 8th bottom |
| ACL / Total Loans | 1.48% | 1.37% | +0.11% | 86th top |
| ACL / NPLs (Coverage) | 84.07% | 210.45% | -126.38% | 19th bottom |
| Texas Ratio | 11.57% | 10.23% | +1.34% | 17th bottom |
| Provision / NCO | 92.51% | 107.48% | -14.97% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 12.98% | 14.75% | -1.77% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 12.98% | 14.87% | -1.89% | 50th above |
| Total Capital Ratio | 13.69% | 16.09% | -2.40% | 36th below |
| Leverage Ratio | 10.27% | 10.26% | +0.01% | 51st above |
| Equity / Assets | 12.32% | 11.54% | +0.78% | 65th above |
| TCE / Tangible Assets | 11.35% | 9.47% | +1.88% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.89% | 83.88% | +3.01% | 49th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.57% | 86.75% | +2.82% | 44th below |
| Uninsured Deposit Ratio | 31.30% | 38.97% | -7.67% | 71st above |
| Wholesale Funding Ratio | 0.11% | 5.67% | -5.56% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 85.83% | 9.79% | +76.04% | 99th top |
| Loan Growth (Y/Y) | 77.47% | 9.86% | +67.61% | 99th top |
| Deposit Growth (Y/Y) | 87.03% | 9.64% | +77.39% | 99th top |
See Sunflower Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sunflower Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sunflower Bank, N.A. profile, how to read a UBPR, or how this data updates.