BlastPoint's Banking Scorecard

Sunrise Banks, National Association

$1B-$10B Specialty: Commercial SD FDIC cert 18561

Designations: ✓ Community bank ✓ CDFI-certified

Sioux Falls, SD

5 branches across MN · SD

884 banks in the $1B-$10B peer group nationally 15 in SD

Sunrise Banks, National Association has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 20.9% in tier
+ Non-Interest Income / Assets 0.25% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 38.0% in tier
- Efficiency Drag: Bottom 58.1% in tier
- Return on Assets 1.10% below tier average
- Delinquency Rate 0.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$2.7B +7.7% YoY +0.6% QoQ	-$81.5M	$2.8B -0.1% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$1.8B +0.5% YoY +1.6% QoQ	-$192.9M	$2.0B +0.6% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$2.5B +7.8% YoY +0.7% QoQ	+$127.9M	$2.3B -0.3% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	0.26% -10.0% YoY -32.4% QoQ	-1.10%	1.37% +19.6% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Bottom 5.2% in tier
Net Interest Margin ?	4.47% -4.2% YoY -2.1% QoQ	+0.65%	3.82% +6.9% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 12.7% in tier
Efficiency Ratio ?	91.97% +0.7% YoY +3.2% QoQ	+30.91%	61.06% -4.6% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	Bottom 2.3% in tier
Delinquency Rate ?	1.07% +13.1% YoY -6.9% QoQ	+0.18%	0.89% +14.1% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	71.70% -6.8% YoY +0.8% QoQ	-12.50%	84.20% +0.3% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	63.25% -1.5% YoY +0.7% QoQ	+41.96%	21.29% -2.5% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	0.71% +7.2% YoY -7.7% QoQ	+0.04%	0.67% +15.6% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	9.95% -4.2% YoY -3.6% QoQ	-5.21%	15.16% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	Bottom 4.2% in tier
Non-Interest Income / Assets ?	0.50% +1.6% YoY -75.0% QoQ	+0.25%	0.26% +1.6% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 6.2% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#19 of 86 • Top 20.9% in tier

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: 63.25%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.47%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Capital Thin

risk

#85 of 221 • Bottom 38.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.95%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#44 of 74 • Bottom 58.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 91.97%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 63.25%

Peer Median: 21.29%

#9 of 884 Top 0.9% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.50%

Peer Median: 0.26%

#56 of 884 Top 6.2% in $1B-$10B

113

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.82%

#113 of 884 Top 12.7% in $1B-$10B

173

Loan-to-Deposit Ratio

liquidity

Value: 71.70%

Peer Median: 84.20%

#173 of 884 Top 19.5% in $1B-$10B

Top Weaknesses (4 metrics)

865

Efficiency Ratio

profitability

Value: 91.97%

Peer Median: 61.06%

#865 of 884 Bottom 2.3% in $1B-$10B

848

Tier 1 Capital Ratio

capital

Value: 9.95%

Peer Median: 15.16%

#848 of 884 Bottom 4.2% in $1B-$10B

839

Return on Assets

profitability

Value: 0.26%

Peer Median: 1.37%

#839 of 884 Bottom 5.2% in $1B-$10B

664

Delinquency Rate

credit_quality

Value: 1.07%

Peer Median: 0.89%

#664 of 880 Bottom 24.7% in $1B-$10B