Sunrise Bank
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Data as of · sourced from FFIEC call reports. How we update
Sunrise Bank is an FDIC-insured commercial bank headquartered in Orlando, FL, established in 2005 (FDIC certificate 58029), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $622.9M, up 4.5% from Q2 2025, the 42nd largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58029
- Headquarters
- Orlando, FL
- Established
- 2005
- Total assets, Q2 2026
- $622.9M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 9.50%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 063115806
- Holding company
- SUNRISE BANCSHARES, INC.
- Asset rank in state
- 42nd of 81 in Florida
Sunrise Bank leans heavily on commercial real estate. Its balance sheet stood at $623 million at June 30, 2026, up 4.5% from a year earlier; it is based in Orlando, Florida. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.51% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 7.4% and deposits rose 4.0%. Its $75 million commercial and industrial book is improving, with 0.73% past due or on nonaccrual, down from 1.41% a year earlier. Where it has less room is capital: it funds 9.50% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Sunrise Bank reported a return on assets of 1.31%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.88%. The figures come from its call report filed with the FFIEC.
Sunrise Bank ranks as the 42nd largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $622.9M, loans rose 7.8% and deposits rose 3.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 32.6% of total loans, ahead of owner-occupied commercial real estate loans at 22.8%. Its 4 offices in the FDIC Summary of Deposits are in Orlando, FL, Cocoa Beach, FL and Ormond Beach, FL; its Orlando office books 47% of its branch deposits. Judged on its Q2 2026 call report, Sunrise Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 109 E Church St, Orlando, FL 32801
- County
- Orange
- Metro Area
- Orlando-Kissimmee-Sanford, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 2005
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $544.2M
- Allowance for credit losses
- $6.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $620.3M
- Average total loans
- $489.7M
- Average interest-bearing deposits
- $432.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 2005
- FDIC Cert
- 58029
- Fed RSSD
- 3370133
- SEC CIK
- 1878655 → filed by SUNRISE BANCSHARES, INC.
- Website
- www.Sunrise.Bank →
- Parent Holding Company
- SUNRISE BANCSHARES, INC. (RSSD 5114368)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Sunrise Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Sunrise Bank's total assets ran between $475.5M (Q3 2023) and $622.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$622.9M total assets against $596.3M; $570.2M total liabilities against $545.2M.
$497.6M net loans and leases against $463.0M; $544.2M total deposits against $523.2M.
$102.1M securities against $86.8M; $10.6M cash and balances due against $32.0M.
$8.8M total interest income against $8.8M; $3.5M total interest expense against $3.8M.
$5.3M net interest income against $5.0M.
$107K total noninterest income against $117K; $3.1M total noninterest expense against $3.2M.
$286K provision for credit losses against $85K.
$2.0M net income against $1.9M.
1.31% return on assets against 1.24%; 3.50% net interest margin against 3.39%.
9.50% tier 1 leverage ratio against 9.65%.
Inside the full Sunrise Bank 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Sunrise Bank rankings
Its closest position to the top of a national ranking is 1,506 of 4,196, for total assets; its furthest is 2,744 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q3 2024) to 1.44% (Q4 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.50% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.50% | 1.31% | 0.10% | 0.88% | 3.50% |
| Q1 2026 | 9.74% | 1.26% | 0.11% | 0.88% | 3.32% |
| Q4 2025 | 9.30% | 1.44% | 0.07% | 0.50% | 3.34% |
| Q3 2025 | 9.64% | 1.43% | 0.00% | 0.00% | 3.49% |
| Q2 2025 | 9.65% | 1.24% | 0.00% | 0.00% | 3.39% |
| Q1 2025 | 9.29% | 1.12% | 0.19% | 0.00% | 3.28% |
| Q4 2024 | 9.19% | 1.12% | 0.00% | 0.00% | 3.26% |
| Q3 2024 | 9.31% | 1.09% | 0.53% | 0.96% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Sunrise Bank (main office) | Orlando , FL | 32801 | $258.1M |
| Cocoa Beach Office Branch | Cocoa Beach , FL | 32931 | $213.6M |
| Ormond Beach Branch | Ormond Beach , FL | 32174 | $52.2M |
| Mobile Branch | Cocoa Beach , FL | 32931 | $20.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 83 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.2M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Sunrise Bank
What are Sunrise Bank's total assets?
As of the Q2 2026 filing, Sunrise Bank reported total assets of $622.9 million in its FFIEC call report.
Where is Sunrise Bank headquartered?
It is headquartered in Orlando, FL, United States.
When was Sunrise Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Sunrise Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunrise Bank?
Sunrise Bank's primary federal regulator is the FDIC.
How many branches does Sunrise Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunrise Bank's Texas Ratio?
Its Texas Ratio is 0.88% 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.
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