Sunstate Bank: 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): 1.25 percentage points higher than in Q1 2026, at 15.28%. Within Florida, Sunstate Bank is 57th of 81 on loan-to-deposit ratio, 68.00% as of Q2 2026. Sunstate Bank reported 68.00% on loan-to-deposit ratio for Q2 2026, 12.55 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $341.9M |
| Net loans and leases | $338.8M |
| Loans held for sale | $0 |
| Loans to total assets | 58.91% |
| Loan-to-deposit ratio | 68.00% |
| Net loans to equity capital | 4.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.88% |
| Multifamily (5+ residential) | 4.08% |
| Commercial and industrial | 11.71% |
| Consumer | 0.57% |
| Credit cards | 0.14% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 265.74% |
| Construction concentration (Tier 1 capital + allowance) | 15.28% |
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 | 6.60% |
| Interest income on loans | $5.6M |
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 | $257.6M | $386.7M | 46.45% | 6.92% | 0.63% |
| Q4 2023 | $279.9M | $372.4M | 45.37% | 8.09% | 0.95% |
| Q1 2024 | $290.1M | $405.6M | 46.90% | 9.12% | 1.13% |
| Q2 2024 | $303.7M | $452.3M | 46.61% | 10.40% | 1.03% |
| Q3 2024 | $308.9M | $436.5M | 45.60% | 10.71% | 1.08% |
| Q4 2024 | $301.4M | $446.9M | 46.75% | 10.97% | 0.76% |
| Q1 2025 | $306.7M | $446.1M | 47.88% | 11.10% | 0.47% |
| Q2 2025 | $335.6M | $454.6M | 47.42% | 11.61% | 0.57% |
| Q3 2025 | $330.7M | $480.8M | 45.99% | 11.48% | 0.61% |
| Q4 2025 | $334.0M | $483.4M | 45.33% | 11.38% | 0.64% |
| Q1 2026 | $339.5M | $493.6M | 45.17% | 11.33% | 0.61% |
| Q2 2026 | $341.9M | $502.7M | 45.88% | 11.71% | 0.57% |
Sunstate Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunstate Bank, 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 Sunstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34643) · FFIEC NIC profile (RSSD 2791085)