| Metric | Sunrise Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.9% | -0.5 pts |
| Deposit growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +7.5% | +5.3% | +2.1 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 14.9% | 12.5% | +2.4 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $622.9M | $544.2M | $497.6M | $52.6M | $3.9M | 1.29% | 3.47% | 0.08% |
| Q1 2026 | $599.8M | $527.9M | $461.5M | $52.5M | $1.9M | 1.27% | 3.37% | 0.09% |
| Q4 2025 | $600.3M | $527.6M | $446.2M | $53.3M | $8.0M | 1.33% | 3.47% | 0.05% |
| Q3 2025 | $608.6M | $535.6M | $460.7M | $52.7M | $5.7M | 1.27% | 3.45% | 0.00% |
| Q2 2025 | $596.3M | $523.2M | $463.0M | $51.1M | $3.5M | 1.19% | 3.41% | 0.00% |
| Q1 2025 | $601.2M | $530.2M | $469.1M | $49.1M | $1.7M | 1.14% | 3.38% | 0.15% |
| Q4 2024 | $579.8M | $511.2M | $455.1M | $46.6M | $5.5M | 1.02% | 3.26% | 0.00% |
| Q3 2024 | $577.4M | $508.2M | $446.0M | $46.6M | $3.9M | 0.97% | 3.21% | 0.42% |
Loan mix (Q2 2026): real estate $428.8M · commercial $74.7M · consumer $294K · securities $102.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sunrise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.5% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 61.1% | 45th |
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 | 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 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sunrise Bank | 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 | 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 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+0 vs 2025) · $544.2M branch deposits. Biggest market: Orange, FL, ranked 30th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, FL | 1 | $258.1M | 0.49% | 30th |
| Brevard, FL | 2 | $233.9M | 1.37% | 15th |
| Volusia, FL | 1 | $52.2M | 0.33% | 25th |
Florida: 125th with 0.05% · Orlando-Kissimmee-Sanford metro: 36th, 0.30% · Palm Bay-Melbourne-Titusville metro: 15th, 1.37% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (14 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).