Sunstate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sunstate Bank of Miami, FL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Ahead of the peer average, behind the median peer. | 1.27% | 1.25% | +0.02% | 49th below |
| ROAE | 10.05% | 12.22% | -2.17% | 35th below |
| Net Interest Margin | 3.61% | 3.95% | -0.34% | 32nd below |
| Efficiency Ratio | 69.69% | 63.71% | +5.98% | 28th below |
| PPNR / Avg Assets | 1.20% | — | — | 28th below |
| Yield on Earning Assets | 5.83% | 5.67% | +0.16% | 60th above |
| Cost of Funds | 2.54% | 1.87% | +0.67% | 14th bottom |
| Net Interest Spread | 2.53% | — | — | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 0.90% | — | — | 17th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.01% | 17.18% | -3.17% | 39th below |
| Tier 1 Ratio | 14.01% | 17.21% | -3.20% | 39th below |
| Total Capital Ratio | 14.67% | — | — | 34th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.45% | 11.75% | -0.30% | 57th above |
| Equity / Assets | 12.62% | 10.98% | +1.64% | 75th top |
| TCE / Tangible Assets | 11.36% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.00% | 80.44% | -12.44% | 74th above |
| Core Deposit Ratio | 79.80% | 86.95% | -7.15% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.03% | — | — | 75th top |
| Loan Growth (Y/Y) | 1.88% | — | — | 30th below |
| Deposit Growth (Y/Y) | 10.59% | — | — | 84th top |
See Sunstate Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sunstate Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sunstate Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Sunstate Bank peer analysis.