Sunflower Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 12.18 percentage points lower than in Q1 2026, at 86.89%. On return on assets, Sunflower Bank, N.A. is 15th from the bottom among 345 Texas banks, -0.12% (Q2 2026). Against a median of 1.30% for banks in the $10B-100B asset tier, Sunflower Bank, N.A. reported -0.12% on return on assets in Q2 2026, 1.42 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.98% |
| Tier 1 risk-based capital ratio | 12.98% |
| Total risk-based capital ratio | 13.69% |
| Tier 1 leverage ratio | 10.27% |
| Equity capital to assets | 12.32% |
| Tangible equity to tangible assets | 11.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.76% |
| Non-performing assets ratio | 1.43% |
| Net charge-off ratio | 1.34% |
| Texas ratio | 11.57% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 84.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.12% |
| Return on equity | -1.37% |
| Net interest margin | 3.73% |
| Efficiency ratio | 77.79% |
| Yield on earning assets | 5.84% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.89% |
| Core deposits to total deposits | 89.57% |
| Brokered deposits to total deposits | 7.03% |
| Deposits to assets | 86.08% |
| Securities to assets | 12.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.36% | 11.36% | 12.46% | 10.89% | 1.40% |
| Q4 2023 | 11.68% | 11.68% | 12.79% | 11.05% | 1.33% |
| Q1 2024 | 12.05% | 12.05% | 13.18% | 11.27% | 0.80% |
| Q2 2024 | 12.33% | 12.33% | 13.44% | 11.38% | 1.34% |
| Q3 2024 | 12.57% | 12.57% | 13.72% | 11.50% | 1.22% |
| Q4 2024 | 12.74% | 12.74% | 13.94% | 11.69% | 0.93% |
| Q1 2025 | 12.85% | 12.85% | 14.09% | 12.08% | 1.26% |
| Q2 2025 | 13.40% | 13.40% | 14.53% | 12.03% | 1.36% |
| Q3 2025 | 13.45% | 13.45% | 14.57% | 12.12% | 1.19% |
| Q4 2025 | 13.72% | 13.72% | 14.85% | 12.38% | 1.34% |
| Q1 2026 | 13.42% | 13.42% | 14.48% | 12.70% | 1.11% |
| Q2 2026 | 12.98% | 12.98% | 13.69% | 10.27% | -0.12% |
Sunflower Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunflower Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)