BlastPoint's Banking Scorecard
Sunflower Bank, National Association
Dallas, TX
103 branches across KS · TX · CA · CO · NM · FL · AZ · HI · NV · WA
Sunflower Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 34.5% in tier
- - Efficiency Ratio 4.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.6B
+4.2% YoY
+0.9% QoQ
|
+$5.7B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 3.4% in tier |
| Total Loans ? |
$7.0B
+8.4% YoY
+4.7% QoQ
|
+$5.0B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 0.8% in tier |
| Total Deposits ? |
$7.2B
+2.4% YoY
-0.3% QoQ
|
+$4.8B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 2.9% in tier |
| Return on Assets ? |
1.11%
-11.1% YoY
-14.0% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.26%
+5.0% YoY
+1.2% QoQ
|
+0.44% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
65.94%
+5.3% YoY
+6.5% QoQ
|
+4.88% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.86%
-30.0% YoY
-6.7% QoQ
|
-0.03% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
97.91%
+5.8% YoY
+5.0% QoQ
|
+13.70% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
23.26%
-3.4% YoY
-2.9% QoQ
|
+1.97% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.83%
-19.0% YoY
-3.7% QoQ
|
+0.15% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.42%
+4.4% YoY
-2.2% QoQ
|
-1.74% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.32%
+19.9% YoY
-73.6% QoQ
|
+0.06% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 11.9% in tier |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.