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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Orlando, FL · FDIC certificate #58029
SUNRISE BANK is an FDIC-insured institution based in Orlando, FL (FDIC certificate #58029). In its Q3 2026 Call Report it reported total assets of $638M, total deposits of $570M and net loans of $504M. Its primary federal regulator is FDIC.
Plain-language readout
SUNRISE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $638M in Q3 2026 and were lowest at $600M in Q1 2026.
Total deposits were highest at $570M in Q3 2026 and lowest at $528M in Q1 2026.
Over the whole period total assets rose 6.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $638M | $570M | $504M | 1.37% | 16.10% | 3.53% |
| Q2 2026 | $623M | $544M | $498M | 1.29% | 14.88% | 3.47% |
| Q1 2026 | $600M | $528M | $461M | 1.27% | 14.40% | 3.37% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.6M | $24.5M | -$14.0M | -57.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $102.1M | $101.4M | +$715K | +0.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $497.6M | $461.5M | +$36.1M | +7.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.6M | $7.7M | -$87K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.0M | $4.7M | +$291K | +6.2% |
| Total assets | $622.9M | $599.8M | +$23.1M | +3.8% |
| Liabilities | ||||
| Total deposits | $544.2M | $527.9M | +$16.2M | +3.1% |
| Federal funds purchased | $6.5M | $0K | +$6.5M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $15.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.6M | $4.4M | +$211K | +4.8% |
| Total liabilities | $570.2M | $547.3M | +$22.9M | +4.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.9M | $2.9M | $0K | 0.0% |
| Surplus | $40.4M | $40.4M | +$17K | +0.0% |
| Retained earnings | $15.6M | $15.4M | +$225K | +1.5% |
| Accumulated other comprehensive income | -$6.3M | -$6.2M | -$78K | -1.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $52.6M | $52.5M | +$164K | +0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $515K | $515K | $0K | 0.0% |
| Adjusted nonperforming assets | $515K | $515K | $0K | 0.0% |
| Tangible equity plus allowance | $58.8M | $58.3M | +$450K | +0.8% |
| Texas ratio (gross) | 0.88% | 0.88% | -0.01 pts | See points |
| Texas ratio (adjusted) | 0.88% | 0.88% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.36% | 0.88% | +1.48 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.50% | 9.74% | -0.24 pts | See points |
| Construction and land loans to total capital | 48.24% | 52.29% | -4.05 pts | See points |
| Commercial real estate to total capital | 350.58% | 331.15% | +19.42 pts | See points |
| Dividend payout, year to date | 91.63% | 94.54% | -2.91 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.64% | -10.56% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $448.2M | $452.8M | -$4.5M | -1.0% |
| Non-core funding | $117.4M | $90.2M | +$27.3M | +30.2% |
| Loans to core deposits | 112.38% | 103.21% | +9.17 pts | See points |
| Loans to deposits | 92.58% | 88.52% | +4.06 pts | See points |
| Brokered deposits share of deposits | 8.64% | 4.57% | +4.07 pts | See points |
| Pledged securities share of securities | 53.89% | 52.99% | +0.89 pts | See points |
| Loans pledged, share of loans | 19.05% | 18.98% | +0.07 pts | See points |
| Volatile liabilities | $145.5M | $113.5M | +$32.0M | +28.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.2M | $1.9M | +$2.3M | +121.3% |
| Earnings before provision, single quarter | $2.3M | $1.9M | +$406K | +21.3% |
| Provision for credit losses, year to date | $287K | $1K | +$286K | +28600.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.20% | 6.11% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.30% | 3.17% | +0.14 pts | See points |
| Total interest income to average assets | 5.70% | 5.52% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 2.46% | 2.35% | +0.11 pts | See points |
| Cost of savings and money market deposits | 2.80% | 2.86% | -0.07 pts | See points |
| Cost of time deposits | 3.76% | 3.89% | -0.12 pts | See points |
| Total interest expense to average assets | 2.25% | 2.25% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $638M | $570M | $504M | 1.37% | 16.10% | 3.53% |
| 2026-06-30 | $623M | $544M | $498M | 1.29% | 14.88% | 3.47% |
| 2026-03-31 | $600M | $528M | $461M | 1.27% | 14.40% | 3.37% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $523.2M | 0.06% | 89 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.