Bank of Sunset and Trust Company
Total assets
$192.3M
▼ -1.4% YoY
Deposits
$169.1M
▼ -2.8% YoY
Loans
$151.4M
▼ -2.2% YoY
Offices
4
SUNSET BCORP INC
ROA (annualized)
1.73%
peers 1.24%
ROE (annualized)
16.92%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.4% | -5.8 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.7 pts |
| Loan growth (YoY) | -2.2% | +5.6% | -7.8 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
Profile
- Established
- 1906
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SUNSET BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 863 Napoleon Ave, Sunset, LA, 70584
- County
- St. Landry
- Metro area
- Opelousas, LA
- Offices
- 4
- FDIC cert #
- 11788
- RSSD ID
- 910239
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.3M | $169.1M | $151.4M | $20.0M | $1.7M | 1.73% | 5.20% | 0.69% |
| Q1 2026 | $196.2M | $173.9M | $151.5M | $20.0M | $869K | 1.81% | 5.25% | 0.48% |
| Q4 2025 | $188.7M | $166.7M | $151.2M | $19.1M | $2.9M | 1.50% | 4.94% | 0.52% |
| Q3 2025 | $190.5M | $168.8M | $150.4M | $19.1M | $2.1M | 1.47% | 4.88% | 0.50% |
| Q2 2025 | $195.1M | $173.9M | $154.8M | $18.2M | $1.4M | 1.47% | 4.80% | 1.13% |
| Q1 2025 | $197.6M | $177.3M | $156.0M | $17.9M | $638K | 1.33% | 4.67% | 0.37% |
| Q4 2024 | $185.1M | $162.9M | $148.6M | $17.0M | $2.2M | 1.21% | 4.36% | 0.76% |
| Q3 2024 | $187.8M | $161.9M | $151.4M | $17.3M | $1.5M | 1.11% | 4.26% | 0.27% |
Loan mix (Q2 2026): real estate $139.4M · commercial $10.7M · consumer $1.3M · securities $17.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.96% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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