Sunwest Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Sunwest Bank is a community bank chartered in 1970, based in Sandy, UT, in the Salt Lake City metropolitan region. On its most recent Q2 2026 call report, Sunwest reported $4.4B in total assets against $3.4B in deposits. Profitability is strong, 1.57% ROA, paired with 16.70% ROE and a 4.25% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 10.40% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.60% NPL ratio. It operates 10 branches, primarily in Utah.
As of June 30, 2026, Sunwest Bank reported a CET1 capital ratio of 10.40%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.60%, a Texas ratio of 4.49%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 10011 S Centennial Pkwy, Sandy, UT 84070
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 9, 1970
- Former names
- Santiago Bank (1973-1980); Santiago Commercial Bank (1972-1973)
- Offices
- 10 domestic
- Employees (FTE)
- 341
- Domestic deposits
- $3.40B
- Allowance for credit losses
- $62.4M
- Net charge-offs (YTD)
- -$75K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 9, 1970
- FDIC Cert
- 20164
- Fed RSSD
- 140362
- SEC CIK
- 1607768 → filed by H BANCORP LLC
- Website
- www.sunwestbank.com →
- Parent Holding Company
- H BANCORP LLC (RSSD 2453084)
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 Sunwest Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Sunwest Bank, 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Sunwest Bank 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.
Metric pages for Sunwest Bank: Uninsured deposits.
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 | 10.40% | 1.57% | 0.60% | 4.49% | 4.25% |
| Q1 2026 | 10.11% | 1.73% | 0.65% | 4.92% | 4.27% |
| Q4 2025 | 10.12% | 2.24% | 0.57% | 4.31% | 4.73% |
| Q3 2025 | 10.43% | 2.20% | 0.55% | 4.06% | 4.94% |
| Q2 2025 | 10.03% | 1.62% | 0.31% | 2.35% | 4.70% |
| Q1 2025 | 9.94% | 1.71% | 0.49% | 3.74% | 4.48% |
| Q4 2024 | 9.57% | 1.77% | 0.32% | 2.57% | 4.75% |
| Q3 2024 | 9.62% | 1.51% | 0.32% | 3.77% | 4.57% |
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 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Irvine Branch | Irvine , CA | 92614 | $2.15B |
| San Clemente Branch | San Clemente , CA | 92673 | $313.0M |
| Sunwest Bank Branch | Boise , ID | 83706 | $209.1M |
| Sunwest Bank (main office) | Sandy , UT | 84070 | $199.6M |
| Scottsdale Branch | Scottsdale , AZ | 85251 | $136.6M |
| Tustin Branch | Tustin , CA | 92780 | $128.9M |
| Sarasota Branch | Sarasota , FL | 34232 | $105.3M |
| Middleton Branch | Middleton , ID | 83644 | $100.9M |
| Birch Branch | Flagstaff , AZ | 86001 | $49.9M |
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 |
|---|---|---|---|
| September 26, 2026 | Structure Change | Acquired Nano Banc Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 25, 2026 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2015 | Structure Change | Acquired Sunwest Bancorp, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | Structure Change | Acquired Syringa Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 31, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 12, 2013 | Structure Change | Acquired Westside Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 11, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 14, 2009 | Structure Change | Acquired Pacific Coast National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 13, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 5, 2009 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 4, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 27, 2009 | Structure Change | Acquired Metropacific Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 26, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 5, 2002 | Structure Change | Acquired West Coast Bancorp 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 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Sunwest Bank, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in UT, rank 47 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 76 loans originated, $13.1M originated, across 1 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 Sunwest Bank
What are Sunwest Bank's total assets?
As of the Q2 2026 filing, Sunwest Bank reported total assets of $4.41 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sunwest Bank headquartered?
Sunwest Bank is headquartered in Sandy, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sunwest Bank founded?
Sunwest Bank was established in 1970, per the FDIC institution directory.
Is Sunwest Bank FDIC-insured?
Yes. Sunwest Bank is an FDIC-insured commercial bank (FDIC Certificate #20164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunwest Bank?
Sunwest Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sunwest Bank's CET1 capital ratio?
Sunwest Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sunwest Bank operate?
Sunwest Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sunwest Bank's Texas Ratio?
Sunwest Bank's Texas Ratio is 4.49% 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 Sunwest Bank previously called?
The charter now named Sunwest Bank has also operated as Santiago Bank (1973-1980), Santiago Commercial Bank (1972-1973), per FDIC structure-change records.
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