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Sunstate Bank
Miami, FL · FDIC Certificate #34643 · Chartered 03/1
Total assets
$580.36M
Total deposits
$502.74M
Total equity
$73.22M
Net loans
$338.81M
Branches (offices)
3
Net income (YTD)
$2.90M
Rank: #1,598 of 4,213 U.S. banks by assets · #43 of 81 in Florida. Assets changed 8.0% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 8.05% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 12.62% |
| Tier 1 leverage ratio | 11.45% |
| Uninsured deposits (share of deposits) | 39.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 67.4% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $299.92M | 88.5% | |
| Commercial & industrial | $40.02M | 11.8% | |
| Consumer / individual | $1.93M | 0.6% | |
| Construction & development | $10.37M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $474.75M | $397.66M | $1.24M | $56.91M |
| Jun 2023 | $481.29M | $386.38M | $1.57M | $61.10M |
| Jun 2024 | $549.58M | $452.25M | $1.63M | $66.14M |
| Jun 2025 | $537.24M | $454.60M | $1.39M | $69.12M |
| Jun 2026 | $580.36M | $502.74M | $2.90M | $73.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $502.74M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $502.74M.
Similar-sized banks
Citizens State Bank ($581.01M) · First National Bank & Trust Company Of Mcalester ($580.35M)
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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