Sunflower Bank National Assn
Dallas, Texas · FDIC Cert #4767
Sunflower Bank National Assn is an FDIC-insured bank (Certificate #4767) with $8.0B in total assets and $6.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Dallas, Texas, the bank maintains a Tier 1 capital ratio of 12.33% (Well-Capitalized) and a nonperforming loan ratio of 1.00%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sunflower Bank National Assn (FDIC cert 4767) is a mid-sized bank with $8.0B in total assets and $6.7B in deposits, based in Dallas, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.33% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.00% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 13.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.33% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Sunflower Bank National Assn carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Sunflower Bank National Assn
- Total Assets
- $8.0B
- Total Deposits
- $6.7B
- Tier 1 Capital Ratio
- 12.33%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.00%
- Liquidity Ratio
- 13.32%
- Return on Assets
- 1.33%
- Headquarters
- Dallas, Texas
- FDIC Certificate
- #4767
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sunflower Bank National Assn holds a Tier 1 capital ratio of 12.33%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sunflower Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sunflower Bank National Assn shows strong financial health indicators. With $8.0B in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Sunflower Bank National Assn Compares
Sunflower Bank National Assn’s Health Score of 67 is 7 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 12.33% Tier 1 capital ratio is 1.7 points below the US banking industry average near 14%. The 1.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.33% is in line with or above the national ROA benchmark of ~1.1%. Among 198 similarly-sized banks, the average Health Score is 75, meaning this bank ranks below its size cohort. Site-wide, Sunflower Bank National Assn is 3 points below the portfolio average of 70.
Frequently Asked Questions
Sunflower Bank National Assn has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.33%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Sunflower Bank National Assn's Tier 1 capital ratio of 12.33% and nonperforming loan ratio of 1.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Sunflower Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4767). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Sunflower Bank National Assn holds $8.0B in total assets and $6.7B in total deposits. It is headquartered in Dallas, Texas (FDIC Certificate #4767).
Sunflower Bank National Assn has a Tier 1 capital ratio of 12.33%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.00%, and the return on assets is 1.33%.
Yes. Sunflower Bank National Assn is FDIC-insured (Certificate #4767). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sunflower Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.