Sunrise Banks, 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 Construction concentration (Tier 1 capital + allowance): 5.21 percentage points higher than in Q1 2026, at 26.35%. Within South Dakota, Sunrise Banks, N.A. is 32nd of 56 on loan-to-deposit ratio, 71.84% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Sunrise Banks, N.A. sits 16.36 points lower, at 71.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.81B |
| Net loans and leases | $1.77B |
| Loans held for sale | $2.4M |
| Loans to total assets | 64.98% |
| Loan-to-deposit ratio | 71.84% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.47% |
| Multifamily (5+ residential) | 14.32% |
| Commercial and industrial | 7.11% |
| Consumer | 16.23% |
| Credit cards | 0.33% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.34% |
| Construction concentration (Tier 1 capital + allowance) | 26.35% |
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 | 5.52% |
| Interest income on loans | $24.9M |
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 | $1.41B | $2.05B | 37.37% | 7.67% | 16.36% |
| Q4 2023 | $1.46B | $2.10B | 38.24% | 6.80% | 16.82% |
| Q1 2024 | $1.52B | $2.11B | 37.25% | 7.40% | 18.17% |
| Q2 2024 | $1.60B | $2.20B | 37.16% | 7.81% | 18.65% |
| Q3 2024 | $1.68B | $2.07B | 36.23% | 7.77% | 18.68% |
| Q4 2024 | $1.76B | $2.26B | 37.45% | 7.79% | 17.82% |
| Q1 2025 | $1.79B | $2.29B | 38.82% | 7.50% | 19.00% |
| Q2 2025 | $1.79B | $2.30B | 39.07% | 7.15% | 18.42% |
| Q3 2025 | $1.78B | $2.31B | 41.08% | 6.86% | 17.64% |
| Q4 2025 | $1.78B | $2.45B | 41.56% | 6.91% | 17.19% |
| Q1 2026 | $1.80B | $2.47B | 41.80% | 6.81% | 16.88% |
| Q2 2026 | $1.81B | $2.51B | 41.47% | 7.11% | 16.23% |
Sunrise Banks, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunrise Banks, 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 Sunrise Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18561) · FFIEC NIC profile (RSSD 860053)