Sunflower Bank
Sunflower Bank reported total assets of $15.7 bn at Q2 2026, up 85.8% on a year earlier, the 123rd largest of 497 banks in our US coverage. The CET1 capital ratio at Sunflower Bank was 12.98%, and the uninsured share of Sunflower Bank was 31.30%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Sunflower Bank slipped from 267th to 487th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Sunflower Bank has taken over 4 institutions; the latest was First Foundation Bank on (FDIC Call Reports).
- Sunflower Bank reports one of the lowest return on equity (ROE) readings among banks of $10 bn to $100 bn: 2.63% at , where the median of the 126 banks is 10.71% (FDIC Call Reports).
What sets Sunflower Bank apart
- The return on assets (ROA) of Sunflower Bank, 0.34% at , places Sunflower Bank in the bottom tenth of banks of $10 bn to $100 bn (group median 1.25%).
- Over the year to , the total deposits of Sunflower Bank rose by 87.0% to $13.5 bn, one of the largest rises among covered banks.
- Over the year to , the total assets of Sunflower Bank rose by 85.8% to $15.7 bn, one of the largest rises among covered banks.
How large is Sunflower Bank?
The balance sheet of Sunflower Bank at : assets $15.7 bn, deposits $13.5 bn, net loans $11.5 bn (loans equal to 85.60% of deposits). Securities make up 12.4% of total assets at Sunflower Bank. Since , when Sunflower Bank held $1.8 bn, its assets grew 791.5%. In the year to , deposits at Sunflower Bank rose 87.0% while its total assets rose 85.8%. At , Sunflower Bank employed 1,561 full-time equivalent staff across 103 offices, about $10.0 mn of assets per employee and $130.8 mn of deposits per office.
How much funding at Sunflower Bank is uninsured?
At Sunflower Bank, uninsured deposits (above the FDIC limit) made up 31.30% of domestic deposits at (-5.19 pp on a year earlier); Sunflower Bank ranks 293rd of 500 on this measure. In dollars, Sunflower Bank estimated $4.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $13.5 bn | +87.0% | 122nd of 499 |
| Net loans and leases | $11.5 bn | +77.1% | 119th of 500 |
| Loan-to-deposit ratio | 85.60% | -4.82 pp | 271st of 500 |
| Tier 1 leverage ratio | 10.27% | -1.76 pp | 256th of 500 |
| Total risk-based capital ratio | 13.69% | -0.84 pp | 284th of 448 |
| Net interest margin | 4.59% | +0.48 pp | 54th of 500 |
| Return on assets (ROA) | 0.34% | -0.96 pp | 485th of 500 |
| Efficiency ratio | 73.81% | +11.44 pp | 456th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $4.7 mn | Narrowed by $906,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $40.3 mn | Narrowed by $6.9 mn | |
| Noncurrent loans to total loans | 1.63% | +0.75 pp | 437th of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.24% | +0.81 pp | 475th of 500 (1 = lowest) |
US rank of Sunflower Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Sunflower Bank: assets, deposits and loans
- Total assets $15.7bn
- Deposits $13.5bn
- Net loans $11.5bn
Capital and securities
The CET1 ratio of Sunflower Bank stood at 12.98% in , -0.43 pp year on year. Low and high at Sunflower Bank since : 10.47% () to 13.72% (). Equity capital of Sunflower Bank at : $1.9 bn, or 12.3% of total assets. Sunflower Bank also reported a total capital ratio of 13.69% for , and a tier 1 leverage ratio of 10.27%.
On held-to-maturity securities, Sunflower Bank carried an unrealized loss of $4.7 mn at , equal to 0.2% of equity capital. The loss narrowed by $906,000 over the year. Its deepest point: $6.6 mn in . The available-for-sale portfolio of Sunflower Bank showed an unrealized loss of $40.3 mn at ; the loss narrowed by $6.9 mn over the year.
Sunflower Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
Sunflower Bank: unrealized securities gains and losses
- Available for sale -$40mn
- Held to maturity -$5mn
Profitability and loan quality
For the year to , Sunflower Bank earned a return on equity of 2.63%; return on assets: 0.34%. Net interest margin at Sunflower Bank: 4.59%, +0.48 pp in a year. Sunflower Bank net income: $18.3 mn, down 65.8% year on year. The efficiency ratio of Sunflower Bank was 73.81%: about 74 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 1.63% of total loans at Sunflower Bank; net charge-offs: 1.24% of average loans. Gross loans and leases at Sunflower Bank: $11.7 bn, up 77.5% in a year.
Sunflower Bank: profitability
- Return on equity 2.6%
- Net interest margin 4.6%
- Return on assets 0.3%
Peer group of Sunflower Bank
The peer group of Sunflower Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Sunflower Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Texas. Against them, Sunflower Bank shows CET1 ratio 12.98% against a peer median of 11.57%, return on equity 2.63% against a peer median of 9.99% and uninsured deposit share 31.30% against a peer median of 37.88%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| NBT Bank | National bank | NY | $16.1 bn | 11.80% | 10.45% | 42.52% | |
| Live Oak Banking Company | State nonmember bank | NC | $16.0 bn | 10.46% | 12.59% | 16.60% | |
| Safra National Bank of New York | National bank | NY | $15.7 bn | 23.40% | 9.25% | 53.69% | |
| Sunflower Bank | National bank | TX | $15.7 bn | 12.98% | 2.63% | 31.30% | |
| Nicolet National Bank | National bank | WI | $15.4 bn | 11.08% | 8.08% | 33.24% | |
| First Financial Bank | State member bank | TX | $15.2 bn | 18.36% | 15.35% | 44.70% | |
| Bell Bank | State nonmember bank | ND | $15.2 bn | 11.33% | 9.53% | 25.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at Sunflower Bank, to : assets +92.6%, deposits +99.3%, equity +95.4%. Staff 1,138 to 1,561; offices 71 to 103.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.1 bn | $8.1 bn | $8.2 bn | $8.4 bn | $8.5 bn | $8.5 bn | $8.6 bn | $15.7 bn |
| Total deposits | $6.8 bn | $6.8 bn | $7.0 bn | $7.2 bn | $7.2 bn | $7.2 bn | $7.2 bn | $13.5 bn |
| Bank equity capital | $986.6 mn | $996.8 mn | $1.0 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.9 bn |
| CET1 ratio | 12.57% | 12.74% | 12.85% | 13.41% | 13.45% | 13.72% | 13.42% | 12.98% |
| Return on equity (ROE) | 9.36% | 8.92% | 10.02% | 10.43% | 10.08% | 10.15% | 8.38% | 2.63% |
| Uninsured share of domestic deposits | 32.16% | 34.29% | 34.69% | 36.50% | 35.69% | 36.22% | 35.12% | 31.30% |
| Full-time equivalent employees | 1,138 | 1,116 | 1,139 | 1,155 | 1,166 | 1,164 | 1,197 | 1,561 |
| Number of offices | 71 | 71 | 71 | 73 | 73 | 73 | 73 | 103 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Sunflower Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The First National Bank of Santa Fe (FDIC certificate 2239).
- . Absorbed Capital Bank, SSB (FDIC certificate 35322).
- . Absorbed Pioneer Bank, SSB (FDIC certificate 58577).
- . Absorbed First Foundation Bank (FDIC certificate 58647).
Large one-quarter moves at Sunflower Bank
- Total assets at Sunflower Bank changed by +92.2% in the quarter to 2017-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Capital Bank, SSB, The First National Bank of Santa Fe.
- Total assets at Sunflower Bank changed by +83.0% in the quarter to 2026-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First Foundation Bank.
Questions and identifiers
What were the total assets of Sunflower Bank?
Sunflower Bank reported $15.7 bn at in its Call Report. That makes Sunflower Bank the 123rd largest of 497 banks in our US coverage.
Is Sunflower Bank the same as its holding company?
No. This page covers Sunflower Bank, FDIC certificate 4767; FIRSTSUN CAPITAL BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Sunflower Bank profitable?
Sunflower Bank reported net income of $18.3 mn for the year to ; annualized return on equity: 2.63%. So yes: Sunflower Bank made a profit over these months.
When is data for Sunflower Bank next updated?
Figures from Sunflower Bank for are due after .
Where can I check the figures for Sunflower Bank?
In the FDIC BankFind Suite record for certificate 4767, and in the Call Reports of Sunflower Bank (RSSD ID 474759) at the FFIEC Central Data Repository.