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Sunflower Bank, National Association
Dallas, TX · FDIC Certificate #4767 · Chartered 05/2
Total assets
$15.65B
Total deposits
$13.48B
Total equity
$1.93B
Net loans
$11.54B
Branches (offices)
102
Net income (YTD)
$18.27M
Rank: #125 of 4,213 U.S. banks by assets · #6 of 346 in Texas. Assets changed 85.8% and deposits 87.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.34% |
| Return on equity | 2.63% |
| Net interest margin (YTD) | 4.59% |
| Equity to assets | 12.32% |
| Tier 1 leverage ratio | 10.27% |
| Uninsured deposits (share of deposits) | 31.3% |
| Noncurrent loans (share of loans) | 1.63% |
| Net charge-offs (share of loans) | 1.24% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 61.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.03B | 61.0% | |
| Commercial & industrial | $2.89B | 25.0% | |
| Consumer / individual | $29.57M | 0.3% | |
| Construction & development | $322.63M | 2.8% | |
| Agricultural | $1.06M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.04B | $5.95B | $12.26M | $781.76M |
| Jun 2023 | $7.78B | $6.19B | $57.94M | $849.87M |
| Jun 2024 | $7.99B | $6.73B | $41.62M | $950.70M |
| Jun 2025 | $8.42B | $7.20B | $53.48M | $1.06B |
| Jun 2026 | $15.65B | $13.48B | $18.27M | $1.93B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $4.94B | 23 |
| California | $2.87B | 22 |
| Kansas | $1.62B | 23 |
| Florida | $1.37B | 7 |
| New Mexico | $1.20B | 9 |
| Colorado | $747.74M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $13.48B.
Similar-sized banks
Safra National Bank Of New York ($15.69B) · Nicolet National Bank ($15.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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