Sunflower Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Sunflower Bank, N.A. is a regional commercial bank serving Texas and adjacent markets, with headquarters in Dallas, in the Dallas–Fort Worth Metroplex. The Q2 2026 balance sheet stands at $15.7B in assets, including $11.7B in loans. Earnings turned negative this period, with ROA at -0.12%. Capital cushions are healthy: 12.98% CET1, 10.27% Tier 1 leverage. Credit conditions bear watching: 1.76% NPL ratio with a 11.57% Texas Ratio (elevated but below the 100% concern level). A 103-branch network serves customers across multiple states.
As of June 30, 2026, Sunflower Bank, N.A. reported a CET1 capital ratio of 12.98%, a return on assets of -0.12%, a nonperforming-loan ratio of 1.76%, a Texas ratio of 11.57%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 8117 Preston Rd, Dallas, TX 75225
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 24, 1892
- Former names
- First National Bank and Trust (1989-1992); The First National Bank and Trust Company of Salina (1963-1989)
- Offices
- 103 domestic
- Employees (FTE)
- 1,561
- Domestic deposits
- $13.48B
- Allowance for credit losses
- $173.6M
- Net charge-offs (YTD)
- $53.0M
- Average total assets
- $16.97B
- Average total loans
- $12.63B
- Average interest-bearing deposits
- $11.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4767
- Fed RSSD
- 474759
- SEC CIK
- 1709442 → filed by FIRSTSUN CAPITAL BANCORP
- Website
- www.sunflowerbank.com →
- Parent Holding Company
- FIRSTSUN CAPITAL BANCORP (RSSD 1066713) · FSUN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Arnold Neal E | CEO | CEO & President |
| Cafera Robert A | CFO | Chief Financial Officer |
| Carter Mollie H | CHR | Executive Chair |
| Norris Jennifer | CCO | Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Sunflower Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Sunflower Bank, N.A., 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.
Sunflower Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.98% | -0.12% | 1.76% | 11.57% | 3.73% |
| Q1 2026 | 13.42% | 1.11% | 1.46% | 10.27% | 4.29% |
| Q4 2025 | 13.72% | 1.34% | 1.23% | 8.68% | 4.32% |
| Q3 2025 | 13.45% | 1.19% | 1.11% | 8.21% | 4.24% |
| Q2 2025 | 13.40% | 1.36% | 1.06% | 7.99% | 4.17% |
| Q1 2025 | 12.85% | 1.26% | 1.35% | 9.17% | 4.13% |
| Q4 2024 | 12.74% | 0.93% | 1.21% | 8.57% | 4.23% |
| Q3 2024 | 12.57% | 1.22% | 1.16% | 8.26% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 102 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sunflower Bank, N.A. (main office) | Dallas , TX | 75225 | $3.26B |
| Irvine Branch | Irvine , CA | 92612 | $1.37B |
| Fifth Avenue Office | Naples , FL | 34102 | $793.4M |
| El Paso E. Main Branch | El Paso , TX | 79901 | $467.5M |
| Albuquerque Jefferson Branch | Albuquerque , NM | 87109 | $350.4M |
| Santa Fe Lincoln Branch | Santa Fe , NM | 87501 | $299.7M |
| Overland Park W. 135th Branch | Overland Park , KS | 66223 | $239.8M |
| Honolulu Branch | Honolulu , HI | 96813 | $208.6M |
| Phoenix N. 40th Branch | Phoenix , AZ | 85018 | $194.4M |
| Greenwood Village Dtc 100 Branch | Greenwood Village , CO | 80111 | $191.1M |
| Pine Ridge Road Branch | Naples , FL | 34109 | $184.7M |
| Canon City Royal Gorge Branch | Canon City , CO | 81212 | $181.5M |
| Dodge City 1st Branch | Dodge City , KS | 67801 | $177.8M |
| Los Angeles Century Park Branch | Los Angeles , CA | 90067 | $170.9M |
| Salina S. Ohio Branch | Salina , KS | 67401 | $164.7M |
| Hays E. 27th Branch | Hays , KS | 67601 | $155.6M |
| San Antonio E. Basse Branch | San Antonio , TX | 78209 | $153.4M |
| Austin W. 38th Branch | Austin , TX | 78705 | $140.0M |
| Santa Fe Cerrillos Branch | Santa Fe , NM | 87505 | $133.6M |
| Sherman Oaks Branch | Sherman Oaks , CA | 91403 | $131.0M |
| Richardson N. Collins Branch | Richardson , TX | 75080 | $129.5M |
| Laguna Hills Branch | Laguna Hills , CA | 92637 | $124.3M |
| El Centro Branch | El Centro , CA | 92243 | $124.2M |
| Scottsdale E. Greenway Pkwy Branch | Scottsdale , AZ | 85254 | $123.4M |
| Santa Fe Avenida Vista Grande Branch | Santa Fe , NM | 87508 | $120.7M |
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 |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired First Foundation Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | Structure Change | Acquired Pioneer Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2017 | Structure Change | Acquired First National Bank of Santa Fe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 2010 | Structure Change | Acquired Bank of Leeton Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 2005 | Structure Change | Acquired First National Bank - Colorado Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 2004 | Structure Change | Acquired The Citizens State Bank, Liberal, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2002 | Structure Change | Acquired Bank of Monte Vista Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 2001 | Structure Change | Acquired The First National Bank of Canon City, Colorado Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | Structure Change | Acquired Bank of the Southwest Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 5, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1996 | Structure Change | Acquired The Peoples State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 1994 | Structure Change | Acquired Pioneer Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1993 | Structure Change | Acquired City Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1992 | Structure Change | Acquired The First State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1992 | Structure Change | Acquired Home Federal Savings of Kansas City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 13, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 1991 | Structure Change | Acquired The Farmers National Bank of Victoria Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 1990 | Structure Change | Acquired First of Kansas Savings, a Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 4, 1988 | Structure Change | Acquired Home State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 3, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1960 | Structure Change | Acquired Brookville State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 34 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Sunflower Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- August 10, 1999, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Sunflower Bank, National Association
- August 10, 1999, OCC: Civil Money Penalty (CMP): Sunflower Bank, National Association
- Period: Most recent institution action August 10, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TX, rank 31 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,231 applications, 3,566 loans originated, $1.59B originated, across 42 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Sunflower Bank, N.A.
What are Sunflower Bank, N.A.'s total assets?
As of the Q2 2026 filing, Sunflower Bank, N.A. reported total assets of $15.65 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sunflower Bank, N.A. headquartered?
Sunflower Bank, N.A. is headquartered in Dallas, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sunflower Bank, N.A. founded?
Sunflower Bank, N.A. was established in 1892, per the FDIC institution directory.
Is Sunflower Bank, N.A. FDIC-insured?
Yes. Sunflower Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunflower Bank, N.A.?
Sunflower Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sunflower Bank, N.A.'s CET1 capital ratio?
Sunflower Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sunflower Bank, N.A. operate?
Sunflower Bank, N.A. operates 103 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunflower Bank, N.A.'s Texas Ratio?
Sunflower Bank, N.A.'s Texas Ratio is 11.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Sunflower Bank, N.A. previously called?
The charter now named Sunflower Bank, N.A. has also operated as First National Bank and Trust (1989-1992), The First National Bank and Trust Company of Salina (1963-1989), per FDIC structure-change records.
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