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Sundown State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 18780

Sundown, TX

5 branches across TX

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +6.1% year over year ($269.6M on the books).
  • Delinquency rate 0.85%.
  • Return on assets 4.15%.
  • Efficiency ratio 31.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.41% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Sundown State Bank shows strong momentum with 5 strengths and 7.3% YoY asset growth

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

  • + Revenue Diversifier: Top 1.5% in tier
  • + Profitability Leader: Top 2.0% in tier
  • + Efficiency Ratio 33.42% below tier average
  • + Net Interest Margin 0.28% above tier average
  • + Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Sundown State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $307.7M
+7.3% YoY -3.8% QoQ
-$78.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $189.8M
-7.0% YoY -1.7% QoQ
-$68.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $269.6M
+6.1% YoY -3.2% QoQ
-$57.1M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 4.15%
+113.1% YoY -35.9% QoQ
+2.83% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 0.6% in tier
Net Interest Margin ? 4.26%
-7.2% YoY +0.9% QoQ
+0.28% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 31.06%
-35.9% YoY +27.8% QoQ
-33.42% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 0.9% in tier
Delinquency Rate ? 0.85%
-47.8% QoQ
-0.07% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 70.41%
-12.4% YoY +1.6% QoQ
-7.55% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 30.08%
+4.4% YoY -1.5% QoQ
+8.05% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.52%
-46.7% QoQ
-0.15% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 11.63%
-11.1% YoY -28.4% QoQ
-4.28% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 1.99%
+645.8% YoY +9.4% QoQ
+1.43% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 1.7% 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 (TX) National Avg Tier Percentile
Noninterest-Bearing 30.1%
+1.3pp YoY
-0.5pp QoQ
 +7.9pp 22.1% 29.2% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 21.1%
-1.5pp YoY
-4.1pp QoQ
 +9.6pp 11.6% 14.8% 12.5% 90%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 0.1%
0.0pp YoY
0.0pp QoQ
 -32.6pp 32.6% 25.8% 31.3% 0%
Consumer 0.4%
+0.1pp YoY
+0.1pp QoQ
 -3.7pp 4.1% 4.7% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 11.6%
+0.4pp YoY
-0.7pp QoQ
 -0.5pp 12.2% 12.6% 12.6% 60%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 36
+2 (+5.9%) YoY
+1 (+2.9%) QoQ
 -23 58 186 482 36%
Assets per Employee ($) $8.5M
+1.4% YoY
-6.4% QoQ
 +$1.0M $7.5M $10.1M $8.8M 74%
Branch Count 5
0 YoY
0 QoQ
 0 4 12 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.8%
-0.7pp QoQ
 +0.5pp 0.3% 0.3% 0.4% 89%
Nonaccrual 0.1%
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 12%
Allowance Coverage 1.26x
+92.0% QoQ
 -22.89x 24.15x 18.82x 20.23x 34%
Net Charge-off Rate (YTD) 0.1%
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 35.7%
+17.7pp YoY
-20.6pp QoQ
 +23.5pp 12.2% 13.2% 11.6% 99%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 45%
Net Income ($, YTD) $6.5M
+141.1% YoY
— QoQ
 +$3.9M $2.6M $15.9M $40.4M 94%

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 (2)

Revenue Diversifier

growth
#11 of 661 • Top 1.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.99%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 4.15%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#14 of 661 • Top 2.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 4.15%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

18
Return on Assets
profitability
Value: 4.15%
Peer Median: 1.32%
#18 of 2643 Top 0.6% in $100M-$1B
25
Efficiency Ratio
profitability
Value: 31.06%
Peer Median: 64.48%
#25 of 2643 Top 0.9% in $100M-$1B
45
Non-Interest Income / Assets
revenue_mix
Value: 1.99%
Peer Median: 0.57%
#45 of 2643 Top 1.7% in $100M-$1B
472
Non-Interest-Bearing Deposit Share
funding
Value: 30.08%
Peer Median: 22.03%
#472 of 2643 Top 17.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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