BlastPoint's Banking Scorecard
Sunflower Bank, National Association
Mid-Market
Specialty: Commercial
TX
FDIC cert 4767
Dallas, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Sunflower Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.5B
+4.8% YoY
-0.1% QoQ
|
-$2.0B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$6.7B
+5.3% YoY
+0.1% QoQ
|
-$442.7M |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$7.2B
+5.8% YoY
-0.5% QoQ
|
-$1.4B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.29%
+20.7% YoY
+1.6% QoQ
|
+0.12% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.21%
+1.9% YoY
+1.0% QoQ
|
+0.81% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
61.90%
-4.3% YoY
-0.4% QoQ
|
+5.30% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.92%
-16.3% YoY
-13.7% QoQ
|
+0.23% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
93.23%
-0.4% YoY
+0.6% QoQ
|
+7.76% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
23.95%
-1.6% YoY
-2.8% QoQ
|
+3.31% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.86%
-7.0% YoY
-13.6% QoQ
|
+0.36% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.72%
+7.7% YoY
+2.0% QoQ
|
+0.17% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
1.20%
+8.4% YoY
+35.8% QoQ
|
+0.25% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#23 of 80 · Bottom 28% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.23%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.96%
85
85th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.40%
70
70th pctile
Loan-to-Deposit Ratio
Current: 93.23% · Tier avg: 85.47%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.95% · Tier avg: 20.64%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 13.55%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
59
59th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
54
54th pctile
Total Deposits
Current: $7.2B · Tier avg: $8.5B
51
51th pctile
Total Assets
Current: $8.5B · Tier avg: $10.5B
30
30th pctile
Efficiency Ratio
Current: 61.90% · Tier avg: 56.60%
28
28th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.68%
19
19th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
Top Weaknesses
19
19th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.68%
30
30th pctile
Efficiency Ratio
Current: 61.90% · Tier avg: 56.60%
51
51th pctile
Total Assets
Current: $8.5B · Tier avg: $10.5B
54
54th pctile
Total Deposits
Current: $7.2B · Tier avg: $8.5B
59
59th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 13.55%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.95% · Tier avg: 20.64%
70
70th pctile
Loan-to-Deposit Ratio
Current: 93.23% · Tier avg: 85.47%
85
85th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.40%
85
85th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.96%