Sunrise Banks, 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.
Reserve coverage of non-performing loans dropped 43.99 percentage points in Q2 2026, from 184.81% to 140.82%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Sunrise Banks, N.A. is 4th from the bottom among 56 South Dakota banks, 0.43% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Sunrise Banks, N.A. reported 0.43% on return on assets in Q2 2026, 0.84 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.18% |
| Equity capital to assets | 9.18% |
| Tangible equity to tangible assets | 8.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.92% |
| Texas ratio | 9.07% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | 140.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.43% |
| Return on equity | 4.71% |
| Net interest margin | 4.38% |
| Efficiency ratio | 87.68% |
| Yield on earning assets | 4.95% |
| Cost of funds | 0.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.84% |
| Core deposits to total deposits | 98.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.45% |
| Securities to assets | 24.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.84% | 0.55% | 4.60% | 0.37% | 0.38% |
| Q4 2023 | 10.82% | 0.71% | 4.57% | 0.47% | 0.15% |
| Q1 2024 | 10.71% | 0.35% | 4.53% | 0.44% | 0.06% |
| Q2 2024 | 10.49% | 0.39% | 4.46% | 0.34% | 0.05% |
| Q3 2024 | 10.47% | 0.32% | 4.28% | 0.38% | -0.05% |
| Q4 2024 | 10.42% | 0.45% | 4.55% | 0.36% | 0.03% |
| Q1 2025 | 10.38% | 0.28% | 4.46% | 0.93% | -0.00% |
| Q2 2025 | 10.47% | 0.47% | 4.47% | 1.05% | -0.00% |
| Q3 2025 | 10.46% | 0.23% | 4.38% | 1.30% | 0.42% |
| Q4 2025 | 10.31% | 0.53% | 4.38% | 0.99% | 3.43% |
| Q1 2026 | 9.95% | 0.25% | 4.29% | 0.97% | 1.27% |
| Q2 2026 | 10.18% | 0.43% | 4.38% | 1.27% | 0.92% |
Sunrise Banks, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunrise Banks, 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 Sunrise Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18561) · FFIEC NIC profile (RSSD 860053)