Sunflower Bank, National Association
Dallas, Texas, Dallas County
$15.7B in total assets, the 128th largest of 4,309 US banks and 6th of 352 headquartered in Texas.
- FDIC certificate
- 4767
- Established
- 1892
- Owned by
- Firstsun Capital Bcorp
- Primary regulator
- OCC
- Website
- www.sunflowerbank.com
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $15.7B | 64% | $14.2B | |
| Loans | $11.7B | 73% | $8.4B | |
| Deposits | $13.5B | 64% | $11.0B | |
| Return on assets | 0.72% | 9% | 1.43% | |
| Net interest margin | 4.59% | 91% | 3.52% | |
| Efficiency ratio | 73.8% | 82% | 49.6% | |
| Equity to assets | 12.32% | 73% | 10.75% | |
| Loans to deposits | 87% | 82% | 79% |
Growth
Total assets grew 23.0% a year over the last 5 years and 23.9% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | First Foundation Bank Irvine, CA | $11.3B |
| Apr 2022 | Pioneer Bank, SSB Austin, TX | $1.5B |
| Jun 2017 | The First National Bank of Santa Fe Albuquerque, NM | $1.7B |
| Jun 2017 | Capital Bank, SSB El Paso, TX | $363M |
| Jan 2010 | Bank of Leeton Leeton, MO | $20M |
| Apr 2005 | First National Bank - Colorado Fowler, CO | $64M |
| Jul 2004 | The Citizens State Bank, Liberal, Kansas Liberal, KS | $57M |
| Sep 2002 | Bank of Monte Vista Monte Vista, CO | $76M |
| Nov 2001 | The First National Bank of Canon City, Colorado Canon City, CO | $104M |
| Apr 1997 | Bank of the Southwest Dodge City, KS | $58M |
| Apr 1996 | The Peoples State Bank and Trust Company Ellinwood, KS | $57M |
| Mar 1994 | The Pioneer Federal Savings and Loan Association Prairie Village, KS | $121M |
| Jul 1993 | City Bank and Trust Company Wichita, KS | $30M |
| Apr 1992 | The Thomas County National Bank of Colby Colby, KS | $58M |
| Apr 1992 | The First State Bank & Trust Company Osborne, KS | $17M |
| Mar 1992 | Home Federal Savings of Kansas City Kansas City, MO | $2.3B |
| Feb 1991 | The Farmers National Bank of Victoria Hays, KS | $38M |
| Jun 1990 | First of Kansas Savings, A Federal Savings and Loan Association Hays, KS | $38M |
| Jan 1990 | Peoples Heritage Savings, A Federal Savings and Loan Association Salina, KS | $1.2B |
| Mar 1988 | The Home State Bank Russell, KS | $60M |
Where they operate
102 branches in 57 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dallas County, TX | $3.4B | 1.0% | 12 of 109 |
| Orange County, CA | $1.6B | 1.0% | 18 of 73 |
| Collier County, FL | $1.3B | 7.0% | 5 of 37 |
| Santa Fe County, NM | $633M | 13.1% | 5 of 11 |
| El Paso County, TX | $606M | 5.3% | 7 of 16 |
| Los Angeles County, CA | $561M | 0.1% | 47 of 91 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 63 branches since 2016 (39 to 102, +161.5%). 13 opened, 68 acquired, 18 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 39 | |||
| 2017 | Acquired The First National Bank of Santa Fe and Capital Bank, SSBOpened El Paso | 19 | 0 | +19 | 58 |
| 2018 | Opened Denver and ScottsdaleClosed Longmont and Overland Park | 2 | 2 | 0 | 58 |
| 2019 | Opened 3 in 2 statesClosed 5 in 3 states | 3 | 5 | −2 | 56 |
| 2020 | Opened Dallas and PlanoClosed Las Cruces | 2 | 1 | +1 | 57 |
| 2021 | Opened 3 in 3 statesClosed 6 in 4 states | 3 | 6 | −3 | 54 |
| 2022 | Acquired Pioneer Bank, SSBClosed 3 in Texas | 20 | 3 | +17 | 71 |
| 2023 | Closed Dallas | 0 | 1 | −1 | 70 |
| 2025 | Opened Los Angeles and San Diego | 2 | 0 | +2 | 72 |
| 2026 through Q2 | Acquired First Foundation Bank | 30 | 0 | +30 | 102 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 25% | 17% | |
| Multifamily | 22% | 4% | |
| Commercial real estate | 18% | 22% | |
| 1-4 family residential | 17% | 21% | |
| Construction and land | 3% | 10% | |
| Consumer | 0% | 4% | |
| Farmland | 0% | 1% | |
| Agricultural | 0% | 1% | |
| Other | 15% | 19% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 65% | 64% | |
| Noninterest-bearing | 20% | 25% | |
| Time deposits | 15% | 11% |
Brokered deposits are 7.0% of deposits (peers 1.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.63% | 0.70% |
| Net charge-offs, annualized | 1.24% | 0.14% |
| Reserves to loans | 1.48% | 1.17% |
| Leverage ratio | 10.27% | 10.67% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Dallas County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/sunflower