| Metric | Sunrise Bank Dakota | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +3.0% | -9.3 pts |
| Deposit growth (YoY) | -7.5% | +2.5% | -10.0 pts |
| Loan growth (YoY) | -11.0% | +2.6% | -13.6 pts |
| ROA | 0.82% | 0.99% | -0.2 pts |
| ROE | 7.2% | 8.1% | -0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.5M | $49.7M | $21.0M | $7.1M | $251K | 0.82% | 2.98% | 0.00% |
| Q1 2026 | $61.9M | $54.4M | $21.4M | $6.9M | $127K | 0.81% | 2.95% | 0.00% |
| Q4 2025 | $63.3M | $55.7M | $25.3M | $6.9M | $442K | 0.72% | 2.92% | 0.00% |
| Q3 2025 | $60.1M | $51.0M | $23.8M | $6.5M | $352K | 0.78% | 2.94% | 0.00% |
| Q2 2025 | $61.4M | $53.7M | $23.6M | $6.3M | $249K | 0.82% | 2.98% | 0.00% |
| Q1 2025 | $61.1M | $54.5M | $22.4M | $6.0M | $122K | 0.81% | 3.00% | 0.00% |
| Q4 2024 | $59.0M | $52.8M | $22.2M | $5.6M | $5K | 0.01% | 2.55% | 0.00% |
| Q3 2024 | $63.6M | $57.1M | $21.7M | $5.9M | $-200K | -0.43% | 2.45% | 0.00% |
Loan mix (Q2 2026): real estate $7.5M · commercial $4.3M · consumer $1.7M · securities $24.3M
| Ratio | Sunrise Bank Dakota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.99% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 8.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 70.8% | 50th |
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% |
| Ratio | Sunrise Bank Dakota | 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% |
| Ratio | Sunrise Bank Dakota | 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% |
| Ratio | Sunrise Bank Dakota | 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% |
| Ratio | Sunrise Bank Dakota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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