BlastPoint's Banking Scorecard
Sunrise Banks, National Association
Community
Specialty: Commercial
SD
FDIC cert 18561
Sioux Falls, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
Sunrise Banks, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 19% in Community
- + Revenue Diversifier: Top 38% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 46% in Community
- - Efficiency Drag: Bottom 47% in Community
- - Return on Assets 0.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+9.2% YoY
+5.9% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$1.7B
+0.7% YoY
-0.6% QoQ
|
+$768.9M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$2.5B
+8.8% YoY
+6.3% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.39%
-1.2% YoY
+15.3% QoQ
|
-0.78% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
4.56%
-1.0% YoY
-1.1% QoQ
|
+0.90% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
89.12%
-0.1% YoY
-1.0% QoQ
|
+26.49% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.15%
+212.8% YoY
-13.7% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
71.10%
-7.4% YoY
-6.5% QoQ
|
-11.96% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
62.81%
-3.8% YoY
+0.7% QoQ
|
+41.76% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+195.3% YoY
-16.1% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
2.02%
+15.1% YoY
+24.2% QoQ
|
+1.28% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#30 of 150 · Top 19% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
62.81%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.56%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Revenue Diversifier
growth
#141 of 371 · Top 38% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.02%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.39%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Concerns (3)
Credit Risk Growth
risk
#295 of 642 · Bottom 46% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#72 of 152 · Bottom 47% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.12%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.81% · Tier avg: 21.05%
96
96th pctile
Non-Interest Income / Assets
Current: 2.02% · Tier avg: 0.74%
90
90th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
88
88th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.66%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.10% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 89.12% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 89.12% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.10% · Tier avg: 83.06%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
88
88th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.66%
90
90th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
96
96th pctile
Non-Interest Income / Assets
Current: 2.02% · Tier avg: 0.74%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.81% · Tier avg: 21.05%