Sunstate Bank: 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.
Return on assets climbed 0.52 percentage points in Q2 2026, from 0.75% to 1.27%. It was the largest change from Q1 2026 among the key lines here. Sunstate Bank ranks 26th of 79 Florida banks on return on assets, in the upper half at 1.27% (Q2 2026). At 1.27%, Sunstate Bank's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 14.67% |
| Tier 1 leverage ratio | 11.45% |
| Equity capital to assets | 12.62% |
| Tangible equity to tangible assets | 11.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 10.05% |
| Net interest margin | 3.61% |
| Efficiency ratio | 69.69% |
| Yield on earning assets | 5.83% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.00% |
| Core deposits to total deposits | 79.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.62% |
| Securities to assets | 13.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.20% | 14.20% | 14.83% | 11.55% | 0.67% |
| Q4 2023 | 13.92% | 13.92% | 14.59% | 11.93% | 0.92% |
| Q1 2024 | 14.39% | 14.39% | 15.07% | 11.81% | 0.62% |
| Q2 2024 | 13.45% | 13.45% | 14.08% | 11.35% | 0.67% |
| Q3 2024 | 14.20% | 14.20% | 14.85% | 11.21% | 0.58% |
| Q4 2024 | 14.62% | 14.62% | 15.37% | 11.01% | 0.01% |
| Q1 2025 | 14.31% | 14.31% | 15.16% | 10.99% | 0.20% |
| Q2 2025 | 12.90% | 12.90% | 13.71% | 11.37% | 0.83% |
| Q3 2025 | 13.43% | 13.43% | 14.26% | 10.95% | 0.68% |
| Q4 2025 | 13.21% | 13.21% | 14.02% | 11.02% | 0.55% |
| Q1 2026 | 13.43% | 13.43% | 14.24% | 11.10% | 0.75% |
| Q2 2026 | 14.01% | 14.01% | 14.67% | 11.45% | 1.27% |
Sunstate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunstate Bank, 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 Sunstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34643) · FFIEC NIC profile (RSSD 2791085)