Sunwest 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22.58 percentage points higher than in Q1 2026, at 293.95%. Within Utah, Sunwest Bank is 25th of 44 on return on assets, 1.57% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Sunwest Bank sits 0.30 points higher, at 1.57% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.40% |
| Tier 1 risk-based capital ratio | 10.40% |
| Total risk-based capital ratio | 11.66% |
| Tier 1 leverage ratio | 9.71% |
| Equity capital to assets | 9.35% |
| Tangible equity to tangible assets | 9.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.49% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 293.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 16.70% |
| Net interest margin | 4.25% |
| Efficiency ratio | 63.01% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.69% |
| Core deposits to total deposits | 95.04% |
| Brokered deposits to total deposits | 4.63% |
| Deposits to assets | 77.01% |
| Securities to assets | 14.27% |
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 | 10.69% | 10.69% | 11.95% | 9.48% | 1.13% |
| Q4 2023 | 10.55% | 10.55% | 11.81% | 9.35% | 1.29% |
| Q1 2024 | 9.81% | 9.81% | 11.07% | 9.12% | 0.96% |
| Q2 2024 | 9.60% | 9.60% | 10.85% | 8.99% | 1.17% |
| Q3 2024 | 9.62% | 9.62% | 10.87% | 9.04% | 1.51% |
| Q4 2024 | 9.57% | 9.57% | 10.82% | 9.38% | 1.77% |
| Q1 2025 | 9.94% | 9.94% | 11.19% | 9.47% | 1.71% |
| Q2 2025 | 10.03% | 10.03% | 11.29% | 9.62% | 1.62% |
| Q3 2025 | 10.43% | 10.43% | 11.68% | 9.80% | 2.20% |
| Q4 2025 | 10.12% | 10.12% | 11.38% | 9.95% | 2.24% |
| Q1 2026 | 10.11% | 10.11% | 11.36% | 9.77% | 1.73% |
| Q2 2026 | 10.40% | 10.40% | 11.66% | 9.71% | 1.57% |
Sunwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunwest 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 Sunwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20164) · FFIEC NIC profile (RSSD 140362)