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Sunflower Bank, National Association
Dallas, TX·FDIC Cert #4767·Charter: OCC·Est. 18920524.0·HC: FIRSTSUN CAPITAL BCORP
Total Assets
$8.5B
Q4 2025
Return on Assets
1.29%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.90%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.29%+0.02
ROE
10.15%+0.07
Efficiency
61.90%-0.23
Equity/Assets
0.00%+0.00
NPL Ratio
0.92%-0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.23%+0.51
Charge-offs
0.43%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 1.1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 6.7 | 9.0 | 9.4 | 8.9 | 10.0 | 10.4 | 10.1 | 10.2 |
| Efficiency | 61.8 | 62.7 | 62.8 | 64.7 | 62.6 | 62.4 | 62.1 | 61.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 1.0 | 1.0 | 1.1 | 1.2 | 0.9 | 1.1 | 0.9 |
| Charge-offs | 1.1 | 0.6 | 0.4 | 0.3 | 0.0 | 0.4 | 0.5 | 0.4 |
| Loan/Deposit | 95.5 | 94.0 | 95.2 | 93.6 | 92.5 | 90.4 | 92.7 | 93.2 |
Balance Sheet
Total Assets$8.5B
Total Deposits$7.2B
Total Loans$6.7B
Total Equity$1.1B
Profitability
ROA1.29%
ROE10.15%
Efficiency Ratio61.90%
Net Income$107.1M
Risk & Asset Quality
NPL Ratio0.92%
Charge-off Rate0.43%
Loan/Deposit93.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans