Sunstate Bank
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Data as of · sourced from FFIEC call reports. How we update
Sunstate Bank is an FDIC-insured commercial bank headquartered in Miami, FL, supervised by the FDIC, with $580.4M in total assets at Q2 2026, up 8.0% from Q2 2025, the 43rd largest of 81 banks headquartered in Florida. It was established in 1999 and holds FDIC certificate 34643. Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34643
- Headquarters
- Miami, FL
- Established
- 1999
- Total assets, Q2 2026
- $580.4M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 14.01%
- Domestic offices
- 3 · Sunstate Bank branches FDIC institution directory, current count
- Routing number
- 067014592
- Safety and soundness
- Is Sunstate Bank safe?
- Latest call report
- Q2 2026, FFIEC 051 · Sunstate Bank call report
- Holding company
- SUNSTATE BANCSHARES, INC.
- Asset rank in state
- 43rd of 81 in Florida
Sunstate Bank, based in Miami, Florida, reported $580 million in assets at June 30, 2026, up 8.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). On the other hand, it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.8 million, 63% above the same quarter a year earlier. Over the same year, loans grew 1.9% and deposits grew 10.6%. Funding is the softer spot: it pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Sunstate Bank reported a CET1 capital ratio of 14.01%, a return on assets of 1.27%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Sunstate Bank ranks as the 43rd largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $580.4M, loans rose 0.7% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 43.9% of total loans, followed by 1-4 family residential loans at 34.6%. Its 3 offices in the FDIC Summary of Deposits are in West Miami, FL, Coral Gables, FL and Miami, FL; its West Miami office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sunstate Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 14095 S Dixie Hwy, Miami, FL 33176
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, 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
- March 15, 1999
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $502.7M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $573.9M
- Average total loans
- $339.8M
- Average interest-bearing deposits
- $352.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 15, 1999
- FDIC Cert
- 34643
- Fed RSSD
- 2791085
- Website
- www.sunstatefl.com →
- Parent Holding Company
- SUNSTATE BANCSHARES, INC. (RSSD 5515415)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Sunstate Bank's total assets moved between a low of $470.7M (Q4 2023) and a high of $580.4M (Q2 2026) from Q3 2023 to 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
$580.4M total assets against $537.2M; $507.1M total liabilities against $468.1M.
$338.8M net loans and leases against $331.8M; $502.7M total deposits against $454.6M.
$78.8M securities against $70.1M; $57.8M cash and balances due against $35.8M.
$8.0M total interest income against $7.7M; $3.1M total interest expense against $3.2M.
$4.9M net interest income against $4.5M.
$733K total noninterest income against $767K; $4.0M total noninterest expense against $3.6M.
-$720K provision for credit losses against $270K.
$1.8M net income against $1.1M.
1.27% return on assets against 0.83%; 3.61% net interest margin against 3.54%.
14.01% CET1 capital ratio against 12.90%; 11.45% tier 1 leverage ratio against 11.37%.
Inside the full Sunstate 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sunstate Bank rankings
Its closest position to the top of a national ranking is 1,590 of 4,196, for total assets; its furthest is 3,401 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.01% (Q4 2024) to 1.27% (Q2 2026) and its net interest margin ran from 2.97% (Q1 2025) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 1.27% | 0.00% | 0.00% | 3.61% |
| Q1 2026 | 13.43% | 0.75% | 0.00% | 0.00% | 3.34% |
| Q4 2025 | 13.21% | 0.55% | 0.00% | 0.00% | 3.18% |
| Q3 2025 | 13.43% | 0.68% | 0.00% | 0.00% | 3.36% |
| Q2 2025 | 12.90% | 0.83% | 0.00% | 0.00% | 3.54% |
| Q1 2025 | 14.31% | 0.20% | 0.04% | 0.18% | 2.97% |
| Q4 2024 | 14.62% | 0.01% | 0.04% | 0.19% | 3.17% |
| Q3 2024 | 14.20% | 0.58% | 0.04% | 0.20% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| West Miami Branch | West Miami , FL | 33144 | $199.9M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $158.6M |
| Sunstate Bank (main office) | Miami , FL | 33176 | $144.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2018 | Structure Change | Acquired Intercontinental Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 87 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 12 loans originated, $11.0M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Sunstate Bank
What are Sunstate Bank's total assets?
As of the Q2 2026 filing, Sunstate Bank reported total assets of $580.4 million in its FFIEC call report.
Where is Sunstate Bank headquartered?
It is headquartered in Miami, FL, United States.
When was Sunstate Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Sunstate Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunstate Bank?
Sunstate Bank's primary federal regulator is the FDIC.
What is Sunstate Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sunstate Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunstate Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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