Total Assets
$600M
Total balance-sheet footings
FDIC Cert #58029 · Orlando, Florida · Est. 2005
Sunrise Bank - FDIC Bank Health Profile
A community-scale look at Sunrise Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $600M
- Total assets
- B
- Health grade · Good
- 1.33%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
Sunrise Bank earns a PlainBankData health grade of B (66/100), with 9.30% Tier 1 capital, profitable at 1.33% ROA, 60% efficiency ratio.
- #1,567
- largest of 4,313 FDIC banks by assets
- 64th
- percentile by asset size, nationally
- 9.30%
- Tier 1 ratio - below the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Sunrise Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sunrise Bank's composite health score
Tier 1 Capital Ratio (9.30%) 18/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (0.50%) 20/20
Efficiency Ratio (60.01%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$528M
Customer-funded liabilities
Net Loans
$446M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sunrise Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sunrise Bank's score of 66/100 falls in the highlighted band.
Sunrise Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sunrise Bank's $600M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.30% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.30%
Texas Ratio
0.50%
Equity Capital
$53M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.33%
Return on Equity (ROE)
15.74%
Efficiency Ratio
60.01%
What the numbers say about Sunrise Bank
Sunrise Bank is an FDIC-insured institution (Certificate #58029) headquartered in Orlando, Florida, established in 2005. It holds $600M in total assets - 1,567th of 4,313 FDIC-insured banks, $528M in customer deposits, and $446M in net loans. Capital-wise, the Tier 1 ratio sits at 9.30%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 0.50%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Sunrise Bank sits 45th of 83 banks headquartered in Florida by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$35M
Interest Income
$433K
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sunrise Bank reports a Texas Ratio of 0.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sunrise Bank (FDIC Cert #58029) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Sunrise Bank's health grade?▼
Sunrise Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Sunrise Bank?▼
Sunrise Bank holds $600M in total assets and $528M in deposits, ranking 1,567th of 4,313 FDIC-insured banks by asset size. It is headquartered in Orlando, Florida.
Is my money safe at Sunrise Bank?▼
Yes, deposits at Sunrise Bank (Certificate #58029) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sunrise Bank's Tier 1 Capital Ratio?▼
Sunrise Bank has a Tier 1 Capital Ratio of 9.30%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Sunrise Bank?▼
Sunrise Bank has a Texas Ratio of 0.50%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Sunrise Bank?▼
Sunrise Bank has an Efficiency Ratio of 60.01%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Sunrise Bank's profile as a depositor or analyst.
- Sunrise Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sunrise Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.