BlastPoint's Banking Scorecard
Sunrise Bank
Community
Specialty: Commercial
FL
FDIC cert 58029
Orlando, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Sunrise Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Community
- - NIB Deposit Bleed: Bottom 17% in Community
- - Capital Thin: Bottom 38% in Community
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$600.3M
+3.5% YoY
-1.4% QoQ
|
-$791.2M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$446.2M
-2.0% YoY
-3.1% QoQ
|
-$529.2M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$527.6M
+3.2% YoY
-1.5% QoQ
|
-$637.0M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.33%
+30.1% YoY
+4.7% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.47%
+6.4% YoY
+0.7% QoQ
|
-0.19% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
60.01%
-7.4% YoY
-0.6% QoQ
|
-2.62% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? | 0.07% | -0.56% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
84.58%
-5.0% YoY
-1.7% QoQ
|
+1.52% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
17.98%
-21.8% YoY
-14.1% QoQ
|
-3.07% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? | 0.05% | -0.45% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.07%
-5.4% YoY
+30.7% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#54 of 371 · Top 14% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#97 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
NIB Deposit Bleed
decline
#16 of 89 · Bottom 17% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
17.98%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Capital Thin
risk
#164 of 432 · Bottom 38% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, National avg: 0.65%)
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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
56
56th pctile
Efficiency Ratio
Current: 60.01% · Tier avg: 62.63%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.58% · Tier avg: 83.06%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.98% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Loans
Current: $446.2M · Tier avg: $975.5M
17
17th pctile
Total Deposits
Current: $527.6M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $600.3M · Tier avg: $1.4B
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
15
15th pctile
Total Assets
Current: $600.3M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $527.6M · Tier avg: $1.2B
22
22th pctile
Total Loans
Current: $446.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.98% · Tier avg: 21.05%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.58% · Tier avg: 83.06%
56
56th pctile
Efficiency Ratio
Current: 60.01% · Tier avg: 62.63%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%