BlastPoint's Banking Scorecard

Sunrise Bank

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

Orlando, FL

4 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Sunrise Bank 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

+ Efficiency Ratio 3.23% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 7.2% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.56% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$599.8M -0.2% YoY -0.1% QoQ	+$213.7M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$461.5M -1.6% YoY +3.4% QoQ	+$205.8M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Top 14.6% in tier
Total Deposits ?	$527.9M -0.4% YoY +0.1% QoQ	+$200.0M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.27% +11.4% YoY -4.7% QoQ	+0.00%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.37% -0.2% YoY -3.0% QoQ	-0.56%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	62.05% +1.8% YoY +3.4% QoQ	-3.23%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.11% -42.5% YoY +69.4% QoQ	-0.78%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	87.41% -1.2% YoY +3.3% QoQ	+10.78%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	21.38% -6.0% YoY +18.9% QoQ	-0.64%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.09% -43.3% YoY +75.3% QoQ	-0.55%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	9.74% +4.9% YoY +4.7% QoQ	-6.09%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 6.7% in tier
Non-Interest Income / Assets ?	0.02% -4.5% YoY -76.7% QoQ	-0.26%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Bottom 3.2% in tier

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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 (2)

Capital Thin

risk

#49 of 666 • Bottom 7.2% 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: 9.74%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#257 of 512 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.27%

(Tier: 1.27%, National: 1.23%)

better than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

390

Total Loans

size

Value: $461.49M

Peer Median: $255.72M

#390 of 2664 Top 14.6% in $100M-$1B

480

Total Deposits

size

Value: $527.94M

Peer Median: $327.97M

#480 of 2664 Top 18.0% in $100M-$1B

521

Total Assets

size

Value: $599.79M

Peer Median: $386.08M

#521 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (3 metrics)

2579

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2579 of 2664 Bottom 3.2% in $100M-$1B

2487

Tier 1 Capital Ratio

capital

Value: 9.74%

Peer Median: 15.83%

#2487 of 2664 Bottom 6.7% in $100M-$1B

2006

Net Interest Margin

profitability

Value: 3.37%

Peer Median: 3.93%

#2006 of 2664 Bottom 24.7% in $100M-$1B