| Metric | Sunstate Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.9% | +3.1 pts |
| Deposit growth (YoY) | +10.6% | +4.3% | +6.3 pts |
| Loan growth (YoY) | +2.1% | +5.3% | -3.2 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 8.1% | 12.4% | -4.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $580.4M | $502.7M | $338.8M | $73.2M | $2.9M | 1.01% | 3.51% | 0.00% |
| Q1 2026 | $568.9M | $493.6M | $335.7M | $71.5M | $1.1M | 0.76% | 3.40% | 0.00% |
| Q4 2025 | $569.0M | $483.4M | $330.3M | $71.0M | $3.1M | 0.57% | 3.30% | 0.00% |
| Q3 2025 | $570.4M | $480.8M | $327.0M | $70.2M | $2.4M | 0.57% | 3.32% | 0.00% |
| Q2 2025 | $537.2M | $454.6M | $331.8M | $69.1M | $1.4M | 0.51% | 3.27% | 0.00% |
| Q1 2025 | $546.1M | $446.1M | $303.2M | $67.7M | $276K | 0.20% | 2.99% | 0.02% |
| Q4 2024 | $546.1M | $446.9M | $298.4M | $67.1M | $2.4M | 0.46% | 3.27% | 0.02% |
| Q3 2024 | $535.9M | $436.5M | $306.1M | $67.7M | $2.4M | 0.62% | 3.30% | 0.02% |
Loan mix (Q2 2026): real estate $299.9M · commercial $40.0M · consumer $1.9M · securities $78.8M
| Ratio | Sunstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.4% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 61.2% | 79th |
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 | Sunstate 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 | Sunstate 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 | Sunstate 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 | Sunstate Bank | 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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