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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +9.3% year over year ($2.5B on the books).
Delinquency rate 1.37%.
Return on assets 0.35%.
Efficiency ratio 90.07% vs a 59.73% peer average.
Loan-to-deposit ratio 70.56% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD

View $1B-$10B leaderboard (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 23.8% in tier
+ Non-Interest Income / Assets 0.32% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.5% in tier
- Capital Thin: Bottom 47.8% in tier
- Efficiency Drag: Bottom 55.0% in tier
- Return on Assets 1.04% below tier average

Get updates when Sunrise Banks, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$2.8B +9.1% YoY +1.7% QoQ	-$12.9M	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$1.8B +0.7% YoY +0.1% QoQ	-$188.9M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$2.5B +9.3% YoY +1.8% QoQ	+$195.9M	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	0.35% -9.7% YoY +33.5% QoQ	-1.04%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	Bottom 4.3% in tier
Net Interest Margin ?	4.45% -4.3% YoY -0.4% QoQ	+0.58%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	Top 14.4% in tier
Efficiency Ratio ?	90.07% +1.0% YoY -2.1% QoQ	+30.35%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	Bottom 1.9% in tier
Delinquency Rate ?	1.37% +27.9% YoY +27.7% QoQ	+0.50%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	70.56% -7.9% YoY -1.6% QoQ	-14.48%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	65.21% +4.6% YoY +3.1% QoQ	+43.94%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	Top 0.8% in tier
Nonperforming Asset Ratio ?	0.92% +22.4% YoY +28.5% QoQ	+0.24%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	10.18% -2.7% YoY +2.4% QoQ	-4.66%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Bottom 7.3% in tier
Non-Interest Income / Assets ?	0.85% -27.6% YoY +68.1% QoQ	+0.32%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Top 7.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Noninterest-Bearing	65.2% +2.9pp YoY +2.0pp QoQ	+43.8pp	21.4%	23.5%	22.2%	99%
Brokered Deposits	n/a	n/a	9.5%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	7.2% 0.0pp YoY +0.3pp QoQ	-6.8pp	14.0%	14.1%	12.5%	29%
CRE	61.5% +1.9pp YoY +0.1pp QoQ	+11.4pp	50.0%	31.5%	41.4%	78%
1-4 Family	14.9% +0.4pp YoY +0.2pp QoQ	-11.5pp	26.4%	14.9%	31.3%	30%
Consumer	16.5% -2.1pp YoY -0.7pp QoQ	+11.8pp	4.7%	8.5%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.6%	19.7%	n/a
Leverage Ratio	10.2% -0.3pp YoY +0.2pp QoQ	-1.1pp	11.3%	11.9%	12.6%	42%
Total Capital Ratio	n/a	n/a	16.7%	18.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	364 +23 (+6.7%) YoY +10 (+2.8%) QoQ	+50	313	6,279	482	74%
Assets per Employee ($)	$7.6M +2.2% YoY -1.1% QoQ	-$2.8M	$10.5M	$8.1M	$8.8M	34%
Branch Count	5 0 YoY 0 QoQ	-15	20	92	18	12%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	71%
Nonaccrual	1.3% +0.2pp YoY +0.3pp QoQ	+0.5pp	0.8%	1.0%	1.0%	81%
Allowance Coverage	1.33x +3.7% YoY -21.6% QoQ	-17.38x	18.71x	96.54x	20.23x	34%
Net Charge-off Rate (YTD)	1.1% +1.1pp YoY -0.2pp QoQ	+0.8pp	0.3%	0.7%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	3.8% -0.4pp YoY +1.0pp QoQ	-8.8pp	12.6%	12.4%	11.6%	5%
Cost of Funds (YTD)	0.6% +0.1pp YoY 0.0pp QoQ	-1.3pp	1.9%	1.7%	1.7%	2%
Net Income ($, YTD)	$4.8M -1.8% YoY — QoQ	-$14.5M	$19.2M	$418.8M	$40.4M	10%

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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

#20 of 80 • Top 23.8% 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: 65.21%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.45%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (3)

Credit Risk Growth

risk

#39 of 402 • Bottom 9.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Capital Thin

risk

#107 of 222 • Bottom 47.8% 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: 10.18%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Efficiency Drag

risk

#34 of 60 • Bottom 55.0% in tier

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

Why this signature

Efficiency Ratio: 90.07%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 65.21%

Peer Median: 21.27%

#8 of 885 Top 0.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.85%

Peer Median: 0.53%

#69 of 885 Top 7.7% in $1B-$10B

128

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.87%

#128 of 885 Top 14.4% in $1B-$10B

145

Loan-to-Deposit Ratio

liquidity

Value: 70.56%

Peer Median: 85.04%

#145 of 885 Top 16.3% in $1B-$10B

Top Weaknesses (5 metrics)

869

Efficiency Ratio

profitability

Value: 90.07%

Peer Median: 59.73%

#869 of 885 Bottom 1.9% in $1B-$10B

848

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.39%

#848 of 885 Bottom 4.3% in $1B-$10B

821

Tier 1 Capital Ratio

capital

Value: 10.18%

Peer Median: 14.84%

#821 of 885 Bottom 7.3% in $1B-$10B

712

Delinquency Rate

credit_quality

Value: 1.37%

Peer Median: 0.87%

#712 of 882 Bottom 19.4% in $1B-$10B

670

Nonperforming Asset Ratio

credit_quality

Value: 0.92%

Peer Median: 0.67%

#670 of 885 Bottom 24.4% in $1B-$10B