BlastPoint's Banking Scorecard

Sunflower Bank, National Association

$10B-$250B Specialty: Commercial TX FDIC cert 4767

Dallas, TX

103 branches across KS · TX · CA · CO · NM · FL · AZ · HI · NV · WA

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 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
Deposits +87.0% year over year ($13.5B on the books).
Delinquency rate 1.65%.
Return on assets 0.34%.
Efficiency ratio 73.81% vs a 53.67% peer average.
Loan-to-deposit ratio 85.60% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 11 in TX

View $10B-$250B leaderboard (TX) →

Sunflower Bank, National Association has 1 strength but faces 5 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

+ Net Interest Margin 0.67% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 0.1% in tier
- Return on Assets 1.05% below tier average
- Efficiency Ratio 20.13% above tier average
- Nonperforming Asset Ratio 0.60% above tier average
- Delinquency Rate 0.64% above tier average

Get updates when Sunflower Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$15.7B +85.8% YoY +83.0% QoQ	-$27.9B	$43.6B -13.8% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$11.5B +77.1% YoY +64.8% QoQ	-$16.4B	$28.0B -8.6% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$13.5B +87.0% YoY +88.4% QoQ	-$21.9B	$35.4B -14.0% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	0.34% -74.2% YoY -69.7% QoQ	-1.05%	1.39% +25.9% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 2.2% in tier
Net Interest Margin ?	4.59% +11.5% YoY +7.7% QoQ	+0.67%	3.92% +8.9% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 12.9% in tier
Efficiency Ratio ?	73.81% +18.3% YoY +11.9% QoQ	+20.13%	53.67% -1.9% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 5.8% in tier
Delinquency Rate ?	1.65% +84.8% YoY +93.1% QoQ	+0.64%	1.01% -2.8% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 11.6% in tier
Loan-to-Deposit Ratio ?	85.60% -5.3% YoY -12.6% QoQ	+2.99%	82.61% +3.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	20.26% -19.4% YoY -12.9% QoQ	-0.32%	20.58% +4.9% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	1.33% +56.6% YoY +60.0% QoQ	+0.60%	0.73% +5.8% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 8.6% in tier
Tier 1 Capital Ratio ?	12.98% -3.2% YoY -3.3% QoQ	-2.37%	15.35% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.40% -31.8% YoY +24.4% QoQ	-0.10%	0.50% +10.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	57%

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	20.3% -4.9pp YoY -3.0pp QoQ	-0.8pp	21.0%	29.2%	22.2%	37%
Brokered Deposits	7.0% +1.0pp YoY +1.9pp QoQ	-2.2pp	9.2%	8.0%	8.5%	57%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	25.0% -15.7pp YoY -13.4pp QoQ	+7.9pp	17.2%	14.8%	12.5%	82%
CRE	44.1% +13.2pp YoY +14.2pp QoQ	+2.0pp	42.0%	48.4%	41.4%	52%
1-4 Family	16.9% -1.3pp YoY -1.0pp QoQ	-6.2pp	23.1%	25.8%	31.3%	34%
Consumer	0.3% -0.4pp YoY -0.2pp QoQ	-12.6pp	12.9%	4.7%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	13.0% -0.4pp YoY -0.4pp QoQ	-2.3pp	15.3%	22.7%	19.7%	51%
Leverage Ratio	10.3% -1.8pp YoY -2.4pp QoQ	-0.1pp	10.4%	12.6%	12.6%	55%
Total Capital Ratio	13.7% -0.8pp YoY -0.8pp QoQ	-2.8pp	16.5%	23.8%	20.8%	35%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	1,561 +406 (+35.2%) YoY +364 (+30.4%) QoQ	-1,697	3,258	186	482	36%
Assets per Employee ($)	$10.0M +37.5% YoY +40.3% QoQ	-$17.0M	$27.0M	$10.1M	$8.8M	34%
Branch Count	103 +30 (+41.1%) YoY +30 (+41.1%) QoQ	-35	137	12	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.3%	0.4%	6%
Nonaccrual	1.7% +0.8pp YoY +0.8pp QoQ	+0.9pp	0.7%	1.0%	1.0%	95%
Allowance Coverage	0.91x -36.1% YoY -34.2% QoQ	-1.90x	2.81x	18.82x	20.23x	16%
Net Charge-off Rate (YTD)	1.2% +0.8pp YoY +0.6pp QoQ	+0.8pp	0.4%	0.1%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	2.6% -7.8pp YoY -5.8pp QoQ	-10.0pp	12.6%	13.2%	11.6%	1%
Cost of Funds (YTD)	2.3% +0.4pp YoY +0.6pp QoQ	+0.4pp	2.0%	1.6%	1.7%	74%
Net Income ($, YTD)	$18.3M -65.8% YoY — QoQ	-$278.6M	$296.8M	$15.9M	$40.4M	1%

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#1 of 3 • Bottom 0.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 20.26%

(Tier: 20.58%, National: 21.98%)

worse than tier avg

3 of 3 Large banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 139 peers in $10B-$250B

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 4.59%

Peer Median: 3.92%

#19 of 139 Top 12.9% in $10B-$250B

Top Weaknesses (4 metrics)

137

Return on Assets

profitability

Value: 0.34%

Peer Median: 1.39%

#137 of 139 Bottom 2.2% in $10B-$250B

132

Efficiency Ratio

profitability

Value: 73.81%

Peer Median: 53.67%

#132 of 139 Bottom 5.8% in $10B-$250B

128

Nonperforming Asset Ratio

credit_quality

Value: 1.33%

Peer Median: 0.73%

#128 of 139 Bottom 8.6% in $10B-$250B

123

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 1.01%

#123 of 138 Bottom 11.6% in $10B-$250B