BlastPoint

BlastPoint's Banking Scorecard

Sunrise Bank

$100M-$1B Specialty: Commercial FL FDIC cert 58029

Orlando, FL

4 branches across FL

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 44 in FL.
  • Deposits +4.0% year over year ($544.2M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.29%.
  • Efficiency ratio 59.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.45% 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 44 in FL
View $100M-$1B leaderboard (FL) →

Sunrise Bank has 2 strengths but faces 7 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

  • + Efficiency Ratio 4.72% below tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.6% in tier
  • - Capital Thin: Bottom 27.2% in tier
  • - NIB Deposit Bleed: Bottom 29.6% in tier
  • - Credit Risk Growth: Bottom 31.6% in tier
  • - Liquidity Strain: Bottom 32.6% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - Net Interest Margin 0.52% below tier average
Get updates when Sunrise Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $622.9M
+4.5% YoY +3.8% QoQ
+$236.3M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $497.6M
+7.5% YoY +7.8% QoQ
+$239.3M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Top 11.5% in tier
Total Deposits ? $544.2M
+4.0% YoY +3.1% QoQ
+$217.4M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.29%
+8.3% YoY +1.9% QoQ
-0.03% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.47%
+1.6% YoY +3.0% QoQ
-0.52% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 59.76%
-2.8% YoY -3.7% QoQ
-4.72% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.10%
-7.3% QoQ
-0.81% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 91.45%
+3.3% YoY +4.6% QoQ
+13.50% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 17.81%
-19.2% YoY -16.7% QoQ
-4.22% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.08%
-3.7% QoQ
-0.59% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 9.50%
-1.6% YoY -2.5% QoQ
-6.41% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Bottom 4.8% in tier
Non-Interest Income / Assets ? 0.03%
-10.7% YoY +98.3% QoQ
-0.53% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Bottom 3.0% 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 (FL) National Avg Tier Percentile
Noninterest-Bearing 17.8%
-4.2pp YoY
-3.6pp QoQ
 -4.3pp 22.1% 27.7% 22.2% 35%
Brokered Deposits 8.6%
+3.9pp YoY
+4.1pp QoQ
 +0.8pp 7.9% 8.7% 8.5% 71%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 15.0%
-3.9pp YoY
-1.0pp QoQ
 +3.5pp 11.6% 12.9% 12.5% 76%
CRE 68.9%
+3.2pp YoY
+0.3pp QoQ
 +29.4pp 39.5% 50.6% 41.4% 93%
1-4 Family 17.2%
+0.5pp YoY
+0.7pp QoQ
 -15.5pp 32.6% 30.7% 31.3% 24%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 3.7% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.8% 19.7% n/a
Leverage Ratio 9.5%
-0.2pp YoY
-0.2pp QoQ
 -2.7pp 12.2% 13.9% 12.6% 21%
Total Capital Ratio n/a n/a 19.9% 21.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 60
+2 (+3.4%) YoY
-1 (-1.6%) QoQ
 +1 58 295 482 63%
Assets per Employee ($) $10.4M
+1.0% YoY
+5.6% QoQ
 +$2.9M $7.5M $10.3M $8.8M 88%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.1% -0.8pp 0.9% 0.7% 1.0% 19%
Allowance Coverage 11.90x
+4.9% QoQ
 -12.25x 24.15x 16.62x 20.23x 84%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 14.9%
+0.4pp YoY
+0.5pp QoQ
 +2.7pp 12.2% 9.3% 11.6% 67%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 85%
Net Income ($, YTD) $3.9M
+11.1% YoY
— QoQ
 +$1.4M $2.6M $25.2M $40.4M 80%

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 (5)

Credit Quality Pressure

risk
#210 of 1256 • Bottom 16.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#181 of 661 • Bottom 27.2% 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: 9.50%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

NIB Deposit Bleed

decline
#49 of 162 • Bottom 29.6% 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: 17.81%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Credit Risk Growth

risk
#297 of 936 • Bottom 31.6% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#226 of 691 • Bottom 32.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

305
Total Loans
size
Value: $497.63M
Peer Median: $258.35M
#305 of 2643 Top 11.5% in $100M-$1B
434
Total Deposits
size
Value: $544.15M
Peer Median: $326.73M
#434 of 2643 Top 16.4% in $100M-$1B
473
Total Assets
size
Value: $622.88M
Peer Median: $386.57M
#473 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (3 metrics)

2565
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2565 of 2643 Bottom 3.0% in $100M-$1B
2517
Tier 1 Capital Ratio
capital
Value: 9.50%
Peer Median: 15.91%
#2517 of 2643 Bottom 4.8% in $100M-$1B
2024
Loan-to-Deposit Ratio
liquidity
Value: 91.45%
Peer Median: 77.95%
#2024 of 2643 Bottom 23.5% in $100M-$1B
Powered by BlastPoint © 2026