Sunflower Bank N.A.
Dallas, TX·RSSD 474759·FDIC 4767·bank:474759·Risk-based ratios where reported
- #6 of 352Total assets in Texas
- Top 3%Total assets in the U.S.
- 103offices
- 1,561employees
- Top 1%Margin improvement in the U.S.
- Top 5%Net interest margin in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Sunflower Bank N.A.
10 of 20 FORFI signals stand out against 111 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal3.18%peers 1.86%+133 bps
Sunflower Bank N.A.'s cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.18% | 1.86% | +133 bps |
| Share of deposits that pay no interest | ||
| 20.3% | 22.9% | -2.6 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Sunflower Bank N.A. itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality1.81%peers 0.11%+170 bps
Sunflower Bank N.A.'s annualized net charge-off rate rose 98 bps over the past year to 1.81%. Among 105 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.81% | 0.11% | +170 bps |
| 12-month change | ||
| +98 bps | 0 bps | +99 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Sunflower Bank N.A. itself is left out of every peer median and percentile. How signals work
Balance sheet jumped in a single quarterNotable: Growth+83.0%
Sunflower Bank N.A.'s total assets rose 83.0% from the previous quarter to $15.7 billion. A jump this large usually reflects a merger or acquisition, so FORFI holds back growth comparisons with peers for this quarter.
| Observed | Change |
|---|---|
| Total assets, change in one quarter | |
| +83.0% | |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Sunflower Bank N.A. itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings5.28%peers 3.74%+154 bps
Sunflower Bank N.A.'s net interest margin rose 109 bps over the past year to 5.28%. Among 107 similar banks, the median rose 12 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.28% | 3.74% | +154 bps |
| 12-month change | ||
| +109 bps | +12 bps | +97 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Sunflower Bank N.A. itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency80.6%peers 55.4%+25.2 pp
Sunflower Bank N.A.'s efficiency ratio rose 17.9 percentage points over the past year to 80.6%. Among 107 similar banks, the median fell 1.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 80.6% | 55.4% | +25.2 pp |
| 12-month change | ||
| +17.9 pp | -1.3 pp | +19.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Sunflower Bank N.A. itself is left out of every peer median and percentile. How signals work
5 more observations
- Deposit costs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling while the peer median holds steadyFunding
- Return on assets falling while the peer median risesEarnings
- Problem loans rising faster than peersAsset quality
- Leverage capital ratio falling while the peer median risesCapital
Key facts
- Sunflower Bank N.A. is a bank headquartered in Dallas, Texas. It reported $15.7 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $13.5 billion, up 87.0% from a year earlier, and loans totaled $11.7 billion, up 77.5%.
- Its net interest margin was 5.28% and its annualized return on assets was -0.17% for the quarter.
- Its cost of all deposits was 3.18%, compared with a median of 1.86% among 106 similar banks with $10 billion to $50 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Sunflower Bank N.A.'s own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Sunflower Bank N.A. · Bank
- Federal Reserve RSSD
- 474759
- FDIC certificate
- 4767
- Reporting period
- Peer group
- 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Sunflower Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$5.26M | — | |
| $229.95M | — | |
| $83.53M | — | |
| $146.42M | — | |
| $34.7M | — | |
| $146.03M | — | |
| $40.5M | — | |
| $40.4M | — | |
| -0.17% | -0.17%ROAQ · Quarter | |
| 5.28% | 5.27%NIMYQ · Quarter | |
| 80.63% | 78.61%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.