Sunrise Banks
Sunrise Banks reported total assets of $2.8 bn at Q2 2026, up 9.1% on a year earlier, the 457th largest of 497 banks in our US coverage. Sunrise Banks uses the community bank leverage ratio framework, with a leverage ratio of 10.18%, and the uninsured share of Sunrise Banks was 15.33%. Source: FDIC Call Reports.
Key takeaways
- Sunrise Banks has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 90.07% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- The return on assets (ROA) of Sunrise Banks, 0.35% at , places Sunrise Banks in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than Sunrise Banks, at 3.75% in ; the group median is 12.68% (FDIC Call Reports).
What sets Sunrise Banks apart
- Sunrise Banks has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 1.09% at , against a median of 0.06% across 339 banks.
- On total deposits, Sunrise Banks climbed from 455th to 418th among 499 US banks between and (1 = highest).
- The uninsured share of domestic deposits of Sunrise Banks, 15.33% at , places Sunrise Banks in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%).
How large is Sunrise Banks?
The balance sheet of Sunrise Banks at : assets $2.8 bn, deposits $2.5 bn, net loans $1.8 bn (loans equal to 70.56% of deposits). Securities make up 24.0% of total assets at Sunrise Banks. Since , when Sunrise Banks held $807.1 mn, its assets grew 244.5%. In the year to , deposits at Sunrise Banks rose 9.3% while its total assets rose 9.1%. At , Sunrise Banks employed 364 full-time equivalent staff across 5 offices, about $7.6 mn of assets per employee and $502.9 mn of deposits per office.
How much funding at Sunrise Banks is uninsured?
At Sunrise Banks, uninsured deposits (above the FDIC limit) made up 15.33% of domestic deposits at (-2.00 pp on a year earlier); Sunrise Banks ranks 447th of 500 on this measure. In dollars, Sunrise Banks estimated $385.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +9.3% | 418th of 499 |
| Net loans and leases | $1.8 bn | +0.7% | 465th of 500 |
| Loan-to-deposit ratio | 70.56% | -6.08 pp | 418th of 500 |
| Net interest margin | 4.45% | -0.20 pp | 68th of 500 |
| Return on assets (ROA) | 0.35% | -0.04 pp | 483rd of 500 |
| Efficiency ratio | 90.07% | +0.92 pp | 495th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $40.5 mn | Narrowed by $3.3 mn | |
| Noncurrent loans to total loans | 1.34% | +0.29 pp | 409th of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.09% | +1.10 pp | 470th of 500 (1 = lowest) |
US rank of Sunrise Banks: 1 = highest unless marked 1 = lowest.
Balance sheet
Sunrise Banks: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.5bn
- Net loans $1.8bn
Capital and securities
Sunrise Banks uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.18% in . Equity capital of Sunrise Banks at : $255.2 mn, or 9.2% of total assets.
The available-for-sale portfolio of Sunrise Banks showed an unrealized loss of $40.5 mn at ; the loss narrowed by $3.3 mn over the year.
Sunrise Banks: capital ratios
- Total capital 23%
- CET1 22%
- Tier 1 leverage 10%
Sunrise Banks: unrealized securities gains and losses
- Available for sale -$40mn
- Held to maturity $0
Profitability and loan quality
For the year to , Sunrise Banks earned a return on equity of 3.75%; return on assets: 0.35%. Net interest margin at Sunrise Banks: 4.45%, -0.20 pp in a year. Sunrise Banks net income: $4.8 mn, down 1.8% year on year. The efficiency ratio of Sunrise Banks was 90.07%: about 90 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 1.34% of total loans at Sunrise Banks; net charge-offs: 1.09% of average loans. Gross loans and leases at Sunrise Banks: $1.8 bn, up 1.1% in a year.
Sunrise Banks: profitability
- Return on equity 3.8%
- Net interest margin 4.4%
- Return on assets 0.3%
Peer group of Sunrise Banks
The peer group of Sunrise Banks is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Sunrise Banks (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in South Dakota. Against them, Sunrise Banks shows return on equity 3.75% against a peer median of 12.46% and uninsured deposit share 15.33% against a peer median of 34.84%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Orange Bank & Trust Company | State member bank | NY | $2.8 bn | 17.95% | 17.03% | 60.78% | |
| Citizens and Farmers Bank | State nonmember bank | VA | $2.8 bn | 13.54% | 11.04% | 30.51% | |
| Ion Bank | State member bank | CT | $2.8 bn | 15.75% | 7.63% | 21.70% | |
| Sunrise Banks | National bank | SD | $2.8 bn | not reported | 3.75% | 15.33% | |
| Quad City Bank and Trust Company | State member bank | IA | $2.8 bn | 14.29% | 13.89% | 50.97% | |
| Avidia Bank | State-chartered stock savings bank | MA | $2.8 bn | 15.47% | 8.29% | 39.16% | |
| Lead Bank | State nonmember bank | MO | $2.8 bn | 20.33% | 18.15% | 30.02% | |
. FDIC Call Reports.
Last eight quarters
Two years at Sunrise Banks, to : assets +15.1%, deposits +21.6%, equity +10.8%. Staff 339 to 364.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn |
| Total deposits | $2.1 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $230.3 mn | $222.2 mn | $236.0 mn | $241.7 mn | $249.9 mn | $254.8 mn | $253.5 mn | $255.2 mn |
| Return on equity (ROE) | 4.00% | 4.29% | 3.18% | 4.17% | 3.57% | 4.12% | 2.80% | 3.75% |
| Uninsured share of domestic deposits | 16.33% | 19.05% | 17.84% | 17.33% | 17.17% | 20.05% | 17.72% | 15.33% |
| Full-time equivalent employees | 339 | 336 | 337 | 341 | 345 | 350 | 354 | 364 |
| Number of offices | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Sunrise Banks
- Total assets at Sunrise Banks changed by +25.8% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Sunrise Banks?
Sunrise Banks reported $2.8 bn at in its Call Report. That makes Sunrise Banks the 457th largest of 497 banks in our US coverage.
Is Sunrise Banks the same as its holding company?
No. This page covers Sunrise Banks, FDIC certificate 18561; UNIVERSITY FINL GBC DBA SUNRISE BANKS (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Sunrise Banks profitable?
Sunrise Banks reported net income of $4.8 mn for the year to ; annualized return on equity: 3.75%. So yes: Sunrise Banks made a profit over these months.
When is data for Sunrise Banks next updated?
Figures from Sunrise Banks for are due after .
Where can I check the figures for Sunrise Banks?
In the FDIC BankFind Suite record for certificate 18561, and in the Call Reports of Sunrise Banks (RSSD ID 860053) at the FFIEC Central Data Repository.